Verifying My Uninsured Motorist Coverage California

[jr88]

I was involved in an accident with an unisured motorist. I have a barebones motorcycle policy, and my atty dropped my case, stating no unisured motorist coverage. How can I verify this to be true without discussing this with my ins. co.? Uninsured motorist coverage is not listed anywhere on my policy. I have been told by some people, that unless you sign an uninsured motorist waiver, that it is possible that I may have that coverage, even though it is not listed under coverages section on my policy?

Can someone be helpful enough to shed some light? Thanks!

 

[Josh]

You could read your policy. Still have it around?

If it's not listed, you don't have it.Around

You could also call and ask how much it would be to raise it.

 

[djs]

Yep, its as simple as looking at your policy declarations page. It will show if you have it, and usually shows that you don't have it.

Now, the real question is why are you looking at this? It won't fix your motorcycle anyway. Did you sustain an injury?

I'm curious because one part of your statement is 'barebones policy', then you go looking for premium coverages (i.e., not required). It sounds like someone gave you want you wanted, now you are realizing that its not what you wanted.

Dan

 

[jr88]

I didn't want to bombard this site with my legal issue, but I was injured in an accident and my attorney dropped my case when he found the driver to be without insurance. I don't see an uninsured motorist reference to it anywhere on my policy. Some have told me, that it may be possible that I have the coverage even though it does not show on the coverage page. Before I pursue small claims court as a final option, I wanted to make sure of the status of UM coverage.

 

[Norwayguy]

Sorry to hijacked the thread. Did anything happen to this driver who was driving without insurance? Did they suspend the license or fine him?

 

[jr88]

Don't know yet, it's only been a month since accident. I would imagine a DL suspension, at very least.

 

[djs]

It would help to know what state you are in, but I'm assuming you signed some policy documents along the way that waived UM coverage and if its not there, its in a state that allows waiving it, probably.

In most states, UM coverage is not required. If you did the policy online or signed policy documents (application) then you have the coverages you asked for.

Dan

 

[Josh]

It would help to know what state you are in, but I'm assuming you signed some policy documents along the way that waived UM coverage and if its not there, its in a state that allows waiving it, probably.

In most states, UM coverage is not required. If you did the policy online or signed policy documents (application) then you have the coverages you asked for.

Dan

Stories likes this will always keep individual agents in business.

 

[jhuang]

Unfortunately, people signing away the UM portion really do not understand what they are signing. I know of an agency that makes non-English speaking people hand write that, "they understand they are removing UM"

In your case, if your dec pages don't show it, chances are you don't have it! Even some dec pages show policy forms by it's title and form number, again if you don't see it in the limits, you're SOL for the carrier to help you on your case.

 

[djs]

Of course, you can just call the carrier and ask. Its a pretty easy phone call.