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: California Personal Injury Law Blog

Car and Motorcycle Insurance: Uninsured Motorist Coverage/Bodily Injury (UM/BI)

By Norman Gregory Fernandez, Esq.

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Norman Gregory Fernandez, Esq.The name speaks for itself. This type of insurance coverage will cover you for your “non-property” related damages (Bodily Injury, Pain and Suffering, Loss of Enjoyment of Life, Emotional Distress) in a Car or Motorcycle injury accident, if the other motorist who is “at fault,” has no liability insurance.

In the State of California we feel that this type of coverage is mandatory due to the vast amount of people driving around illegally without insurance. This coverage will also cover hit and runs.

We recommend purchasing the most UM/BI coverage you can afford, and at least a minimum of $100,000.00 if you drive a car, and a minimum of $500,000 if you ride a motorcycle.

If you are in an accident and the other motorist is uninsured, this coverage will be your only recourse in many instances. Do not drive in California without some kind of UM/BI coverage.

By Norman Gregory Fernandez, Esq. , Copyright 2006

Full post as published by California Personal Injury Law Blog on July 04, 2007 (boomark / email).

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