Uninsured & Underinsured Motorist Coverage in Redding, CA
Imagine driving home through the scenic roads of Redding, California, when another vehicle runs a red light and crashes into you. The damage is extensive, and worse, the driver has no insurance or not enough to cover your medical bills and car repairs. This is where uninsured and underinsured motorist coverage (UM/UIM) becomes essential.
At Nor Cal Pacific, our dedicated team of insurance professionals is committed to helping you secure the right insurance policy. Our goal is to guide you through the wide range of policy options and answer any questions or concerns you may have along the way.
What Is UM/UIM Coverage?
UM/UIM coverage is a type of auto insurance that can financially protect you if you're hit by an at-fault driver who either has no insurance or lacks sufficient coverage to pay for your damages. In California, this coverage is included in your policy unless you waive it in writing.
What Does UM/UIM Cover?
Uninsured and underinsured motorist typically covers:
Even if you carry comprehensive coverage, UM/UIM ensures you're not left covering costs when another driver falls short on responsibility.
How Much Does UM/UIM Cost?
The cost of UM/UIM coverage varies based on your insurer and driving history, but it’s generally affordable. Contacting a local agent may help you assess your situation and your budget.
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