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Uninsured Motorists – How Much Insurance is Enough?

If you had a 50% chance of winning the lottery, you wouldn’t pass up buying a ticket. How about a 50% chance of getting in a car accident and having to foot the bill?

That’s exactly what can happen when your accident is with an uninsured (or inadequately insured) driver – and they cause nearly half of all car accidents.

According to an article on uninsured motorists, approximately one in three California drivers are uninsured or inadequately insured and tend to be more reckless and accident-prone.

All insurance companies are required to offer uninsured motorist policies at a minimum of $30,000 of coverage per accident, but is that enough?

That answer is up to you, and how much you are willing to pay for more coverage.

However, having less than $100,000 per person/$300,000 aggregate coverage can be risky – and if you can afford a higher limit, it’s something to seriously consider. In the event that you get hit by an uninsured driver, you could end up paying damages for:

  • Vehicle damage
  • Medical expenses
  • Ability to earn money in the future
  • Assorted household expenses
  • Help and assistance bills

The financial and non-financial losses can rack-up quickly, and if the driver doesn’t have coverage, you might be the one paying.

The amount of protection you, and your family needs will always vary. If you’d like to evaluate how much uninsured motorist coverage you may need, and umbrella policy options for lowering the costs, contact me today.



Aniek Ramsay

Vice President, Branch Manager | Woodland