Uninsured or Underinsured Motorist Bodily Injury coverage is so important that it is the only coverage that the insurance company requires you to sign a waiver for, in order to delete that coverage from your policy. In fact, the law says that if you sign a waiver deleting that coverage and are involved in an accident with an uninsured or underinsured driver, and your insurance company cannot produce the written waiver, your insurance company must provide you coverage even though you sign the document that said that you did not want that coverage.
In addition, this coverage is inexpensive to purchase. The insurance industry does a horrible job in explaining this to their customers. 60% of the public drives with either no coverage or minimal coverage, so your odds are greater than 1 out of 2 being seriously injured in an automobile collision by someone who either has no coverage or insufficient coverage to compensate you for the injuries that you or anyone else in your vehicle, have sustained. UUBI coverage protects anybody in your vehicle who is injured by an uninsured or under-insured driver, and protects anyone who lives in your household regardless of whose car they were in at the time that they were injured by an uninsured or underinsured driver. Moreover, the coverage also applies if an uninsured or under-insured driver injures you or a family member living in your household while you are a pedestrian or riding a bicycle.
If you or a loved one was injured in an Orange County car accident, don’t wait until it is too late to pursue compensation for your injuries. A helpful Orange accident attorney with Russell & Lazarus will answer your questions and provide further guidance in a completely free consultation. Simply give us a call today at (800) 268-9228, or fill out the confidential online contact form on this page to learn more.