How much uninsured motorist coverage must my insurance company offer me?

San Mateo County Personal Injury Attorney Reuben J. Donig: Your automobile insurance company must offer you a minimum of $30,000 per person per accident of uninsured motorist coverage. Now there are a couple of exceptions. If your own liability policy, the amount that you purchased to protect other people from your negligence, if it’s less than $30,000, it could be $25,000 or it could be as low as $15,000 per person per incident, then your automobile insurance company only needs to offer you uninsured motorist coverage in an amount equal to your liability coverage. Other than that, if you have liability coverage of $30,000 or more, your insurance company must give you at least $30,000 of uninsured motorist coverage. There’s one more exception. If, for whatever reason, because you wanna save a few nickels or dollars, you voluntarily in writing allow your automobile insurance company to give you less than your $30,000 of uninsured motorist coverage or to eliminate it entirely, then if you’ve done that in writing, they can withdraw uninsured motorist coverage or give you a lower amount.

(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 if you have a question you’d like to ask).

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