Fairfield Personal Injury Attorneys: Types of Insurance

Understanding the Multiple UM/UIM Policies Case

In an earlier post, we talked about how “non-stacking” uninsured and underinsured motorist coverage means you have less coverage than you think. Unfortunately, this same “non-stacking” rule applies even when there are multiple UM/UIM policies — with some additional quirks.

Let’s use an example.

You were the passenger in a crash caused by an uninsured driver. The driver of your car has a $30,000 UM policy. You also have a $15,000 UM policy on your own auto insurance. (more…)

UIM Coverage: Why You Have Less Than You Think

California uninsured and underinsured motorist coverage is deceptive. There is a good chance even your insurance agent doesn’t clearly understand how it works. And you almost certainly need more of it than you currently have.

The reason? Your UM/UIM insurance coverage is “non-stacking” — in other words, it only gives you coverage up to a combined total maximum benefit of your policy limit.

A rational person would expect that having $30,000 in UM coverage would mean you have an additional $30K, after you’ve used up the other driver’s policy limits (this is called “stacking”). But that’s not the case. Instead, your insurance is allowed to deduct the other driver’s policy limits before they pay you anything. (more…)

Picking the Right Auto Insurance

Being in an automobile collision is often one of the worst experiences a person goes through. This experience is even worse when there is not enough insurance to pay for all of the injuries and suffering that result from the crash. At the Barnett and Bennett Law Firm, we have dealt with thousands of people who have been involved in auto collisions. Many of these people cannot get all of the help they deserve because of inadequate insurance or the wrong type of insurance. Many times people tell us that they have “full coverage” believing that they are adequately protected. In reality there is no such thing as “full coverage.” Make sure you know the details of your auto insurance policy rather than just believing that you are “fully covered.” (more…)

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Barnett & Bennett Law Firm

712 Empire Street,
Fairfield, CA 94533

P: 707.425.0671