An underinsured motorist claim allows a motorist who has been injured in an accident caused by another party to seek adequate compensation above the at-fault policyholder’s coverage limits. If you were hit in an accident, there is a chance the other party only has the minimum coverage limits. In California, this is $15,000 per person or $30,000 per accident at the time of writing.
If your pain, suffering, bodily injury and wage loss exceed those limits and you have purchased underinsured motorist coverage through your own insurance policy, you would be protected from this underinsured motorist. Your underinsured motorist coverage steps in and provides an additional level of coverage up to the amount you paid for to cover you for your losses that exceed the minimum coverage of the at-fault party’s insurance.
If you have additional questions regarding underinsured motorist claims, I want you to call me at (559) 436-0850. Visit our educational website at www.NunesLaw.com, where you can view more videos and media content from our law firm.