Despite state law that mandates auto insurance for all vehicles, some estimate
there are more than 3 million uninsured vehicles in California. However,
more low-income Californians will now have the opportunity to purchase
affordable automobile insurance. Gov. Jerry Brown recently signed legislation
that will expand California's Low-Cost Automobile Insurance Program
(CLCA) to include non-citizen individuals who qualify for California drivers'
licenses next year.
While the problem of uninsured vehicles is big problem, there are many
more vehicles that are under-insured. These vehicles have insurance that
meets the minimum limits required by California law. However, in many
cases, the state minimum is insufficient to cover all the damages.
If you're involved in an accident with an uninsured or under-insured
dirver, you could be left without any way to get your car repaired or
your medical bills paid. That's why I tell all of my clients to carry
uninsured/underinusred motorist coverage on their auto insurance policies.
But remember, when it comes to paying a claim for injuries caused by an
uninsured or under-insured driver, YOUR OWN INSURANCE COMPANY IS NOT ON
YOUR SIDE. In such cases, your own insurance company may use all of the
same tactics they would use to deny any other claim -- even if you've
been a loyal customer for years.
If you or someone you love has been involved in an accident with an uninsured
or under-insured dirver, please call my office to find out about your rights.