California law:
• Insurers must offer UM/UIM
• Rejection must be in writing
• Minimum: $15,000/$30,000
• Can match your liability limits
• Can stack multiple policies
California UM/UIM Requirements
Using UM/UIM in DUI Cases
UM coverage applies when:
• Drunk driver has no insurance
• Driver fled (hit and run)
UIM coverage applies when:
• Driver's coverage is less than your damages
• You've exhausted driver's limits
Both can supplement your recovery.
• Drunk driver has no insurance
• Driver fled (hit and run)
UIM coverage applies when:
• Driver's coverage is less than your damages
• You've exhausted driver's limits
Both can supplement your recovery.
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