What is uninsured motorist coverage?

San Mateo County Personal Injury Attorney Reuben Donig: So uninsured motorist coverage is part of an automobile policy, and what it basically provides is a benefit whereby if you’re injured by someone else, some other motorist who does not have insurance, a hit-and-run driver, or someone who just is driving a car without insurance, or who does not have enough insurance to fully compensate you, your own automobile insurance policy promises that they will compensate you under your uninsured or under-insured motorist policy for all of the damage, for all of the harm, that the driver who caused your injuries owed you, up to the amount of the policy limit that you purchased, in effect, your own insurance company acts as though it insured the driver who caused your injuries.

(Attorney Reuben Donig specializes in personal injury law and premises liability, including auto and car accidents in San Mateo County, Santa Clara County, Alameda County and San Francisco County. Visit him at www.doniglaw.com if you have a question you’d like to ask).