Uninsured motorist (UM) and underinsured motorist (UIM) coverage protect you when another driver has no insurance or not enough. In a state where many drivers are uninsured, this coverage is one of the most valuable protections you can carry.
What UM/UIM covers
UM coverage applies when the at-fault driver has no insurance. UIM applies when their limits are too low to fully cover your injuries. Coverage typically applies to bodily injury; property damage UM is optional in California and not automatically included.
Is it required?
Insurers must offer UM/UIM coverage in California, but you can decline it in writing. Given the number of uninsured drivers on California roads, declining is rarely advisable. The modest premium increase is usually worthwhile compared to the risk of an uncovered collision.
How it works with your other coverage
If you're hit by an uninsured driver, your UM coverage can cover your injuries up to your policy limits. If they have some insurance but not enough, UIM bridges the gap. Pairing UM/UIM with collision coverage gives you broader protection — see also uninsured drivers in California.
