As a San Francisco Bay Area driver who’s somewhat confused about your insurance obligations, you have likely encountered the concept of the uninsured/underinsured motorist policy (UM/UIM). This coverage can provide you with a modicum of protection, if an underinsured driver hurts you or damages your vehicle – or leaves the scene of the accident. Continue reading
Tag Archives: car insurance
What’s Uninsured Motorist Insurance?
Uninsured Motorist Insurance
Picture this annoying (yet terrifying) scenario:
You are driving on the freeway here in Northern California when, out of nowhere, a driver cuts across three lanes of traffic into your lane. You can’t pull off an escape maneuver, and so you clip the car, and both of you spiral off the side of the road.Fortunately, you are relatively uninjured. But your car is a mess. And your situation is about to get a lot more complicated. Turns out, the driver who pulled the horrific lane cut and caused the accident lacks insurance. Continue reading