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Do I need uninsured motorist/underinsured motorist coverage if I already have comprehensive and collison coverage on my auto insurance?

April 2, 2007

Question:
Do I need uninsured motorist/underinsured motorist coverage if I already have comprehensive and collision coverage on my auto insurance?

Tom, California

Answer:
Dear Tom,

Uninsured motorist/underinsured motorist coverage is not required in California. However, it's probably still a good idea to buy it, especially if you do not have health insurance. Uninsured motorist/underinsured motorist coverage allows you to collect for lost wages and pain-and-suffering damages if you're hit by an uninsured driver. While comprehensive and collision coverage pays for damages to your vehicle if you're hit by an uninsured driver, it does not protect you if you're injured.

If you have health insurance, your need for uninsured motorist/underinsured motorist is not as great. However, your health insurance will not pay for lost wages or pain-and-suffering damages if you are in an accident with an uninsured or underinsured driver.

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Disclaimer: We are journalists, not financial planners or insurance brokers. Nothing we say should be interpreted as a recommendation to buy or sell any insurance product, or to provide other financial or legal advice.

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