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Why do I need Uninsured/Underinsured Motorist (UM) coverage if liability coverage is required in California?

April 26, 2017California coverage liability motorist UM underinsured uninsured

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Why do I need Uninsured/Underinsured Motorist (UM) coverage if liability coverage is required in California?

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Even though liability coverage is required in California, some people are still driving without coverage. In addition, California only requires minimum liability limits of $15,000 per person, $30,000 per accident. If the other party is determined to be legally liable, these limits may not be adequate to cover your damages. This coverage also is applicable in the event of a hit and run accident.