Uninsured Motorist Coverage: What All California Drivers Need to Know

It's a puzzling mystery: Drivers who expose themselves to immense financial peril by having minimal or no uninsured motorist coverage. Are they taking the risk or just uninformed?
"If you are involved in an accident in Los Angeles, it's a high likelihood that it will be caused by drivers who are uninsured or underinsured," said Gerald E. Agnew, a Torrance-based serious personal injury attorney. "The only recourse for your damages is your uninsured motorist coverage, not your liability coverage.  Many people have $1 million in liability insurance and $15,000 in uninsured motorist.  We've seen responsible citizens who thought their insurance would ensure their security, and instead suffered terrible financial consequences because of this situation with uninsured drivers on the road."