The Importance of UM/UIM Coverage & Changes to California’s Minimum Liability Policies
- Westridge Law
- Mar 10
- 3 min read
Updated: Mar 19
California is set to increase its minimum auto liability coverage (from 15/30/5 to 30/60/15), but many drivers may still be uninsured or underinsured. This reality makes UM/UIM (Uninsured/Underinsured Motorist) coverage critical for protecting yourself from unexpected medical bills and repair costs. Below, we explore why UM/UIM coverage is essential and how it relates to recent policy changes in the state.
What Is UM/UIM Coverage?
1. Uninsured Motorist (UM) UM coverage protects you if you are in an accident caused by a driver who has no insurance.
Covers your medical expenses and damages when the at-fault driver has no insurance at all.
Particularly helpful in hit-and-run scenarios or if the negligent party is entirely uninsured.
2. Underinsured Motorist (UIM)
UIM coverage applies when the at-fault driver has insurance, but their coverage limits are too low to cover your total damages.
Provides additional compensation when the at-fault driver’s insurance limits are insufficient to cover all your losses.
To collect under UIM, your policy limit typically must exceed the other driver’s liability limit.
UM/UIM coverage often applies beyond just driving—it may protect you while walking, biking, or riding a motorcycle.
2. California’s Minimum Policy Increase: Still Not Enough?
Higher Minimum Liability: As of January 1, 2025, California is increasing its minimum liability insurance requirements
Bodily Injury (Per Person): $15,000 → $30,000
Bodily injury (Per Accident): $30,000 → $60,000
Property Damage: $5,000 → $15,000
Uninsured or Underinsured Drivers: Despite the increase, you may still encounter drivers with no insurance or only minimal coverage.
Rising Medical & Repair Costs: Even a 30/60/15 policy can be quickly exhausted by hospital bills, property damage, or severe injuries.e ensure seamless communication for LA’s Korean-American community.
More protection from at-fault drivers with minimum insurance. However, many drivers may still be uninsured or underinsured, making UM/UIM coverage just as essential s before.
3. Why UM/UIM Matters
Financial Protection from Gaps If the other driver’s policy won’t fully cover medical expenses or vehicle repairs, UM/UIM bridges the gap through your own insurance.
Coverage Beyond Just Your Car UM/UIM coverage can protect you if you’re hit by a car while walking or cycling. It may also extend to your family or passengers, depending on your policy.
Relatively Low Premium Increases Upgrading your UM/UIM limits typically adds only a modest cost to your premium. This small investment can save you tens of thousands of dollars in a severe accident.
4. Practical Examples
Uninsured Driver After an accident, you discover the at-fault driver carries no insurance.
With UM coverage, you can still file a claim against your own policy for medical bills and lost wages.
Underinsured Driver The other driver has a small 15/30/5 policy, but your damages far exceed $15,000.
With UIM coverage at higher limits, you can recover additional compensation to cover remaining losses.
5. Westridge Law Group: Your Ally in UM/UIM Cases
At Westridge Law Group, we handle Los Angeles and Southern California traffic accident cases involving uninsured or underinsured drivers.
Legal Expertise: Our LA traffic accident attorneys understand the nuances of UM/UIM claims, from arbitration to insurance negotiations.
Community-Focused: As a Korean-speaking law firm, we assist the Korean-American community without language barriers.
Free Consultation: Unsure about your coverage or facing a dispute with an insurance carrier? Contact us for an evaluation of your case.
Conclusion: Stay Prepared in a Changing Insurance Landscape
Even with California’s impending increases in minimum liability limits, you could still face uninsured or underinsured drivers. UM/UIM coverage steps in when the at-fault driver’s policy falls short, ensuring you aren’t left with overwhelming bills. Westridge Law Group is committed to helping you navigate your UM/UIM options and fight for maximum compensation if an accident occurs. Don’t leave your financial future to chance; get informed, stay covered, and reach out for experienced legal guidance today.
📌 Legal Disclaimer
Updated on Mar 13th, 2025. This document reflects the most current information as of mentioned date, and is provided for general informational purposes. For personalized advice that accounts for your unique circumstances, consult the experienced attorneys at Westridge Law Group. We are ready to assist you with legal guidance tailored to your needs.
