Unfortunately, you cannot count on the "other guy" to look out
for your best interest. Having uninsured and underinsured motorist coverage
protects the most important person: You! Although it is illegal to drive
in California without insurance, "Uninsured" Motorist Coverage
provides coverage for you, through your own policy, in the event you are
in an accident with an uninsured party. Similarly, "Underinsured"
Motorist Coverage provides coverage for you in the event that you are
in an accident with a party that has insurance, but in an insufficient
amount to fully compensate you for your injuries or damages. The higher
the limit of your coverage, the more protection you will be afforded.
A couple of other benefits are that Uninsured/Underinsured claims are
generally less adversarial since the claim is made to the insured's
own company and it is against the law for an insurance company to raise
your rates for making an uninsured/underinsured claim.