How Long Do You Have to File a Personal Injury Claim in California?
Many California drivers assume the at-fault driver’s insurance will cover their damages after a crash. Unfortunately, about one in six drivers in California has no insurance, making uninsured motorist (UM) and underinsured motorist (UIM) coverage an important financial safeguard. UM coverage helps pay for injuries and certain property damage when the driver who caused the accident has no insurance, while UIM coverage can help cover losses that exceed the other driver’s policy limits. Understanding how these coverages work before an accident happens can make a significant difference when recovering medical expenses, lost wages, and other damages. Learn when UM and UIM coverage applies, how claims are filed, and why reviewing your policy limits may be one of the smartest decisions you make as a California driver.