As noted elsewhere on our website, a significant number of motorists are driving without liability insurance (“uninsured”) or inadequately insured (“under-insured”). Many law abiding Humboldt County drivers learn to their distress that the careless driver who injured them or one of their family, either has no insurance at all or only the minimum required under the California law ($15,000.00 of liability coverage). Most people don’t think about securing the appropriate amount of uninsured or under-insured coverage for themselves, because they don’t plan on being seriously injured by a judgment proof driver.
The above scenario is all too common. The only sure protection is to get adequate uninsured motorist coverage for yourself. In fact, auto liability insurance carriers must offer uninsured motorist coverage along with liability coverage, unless the insured expressly declines it.
