What is the law on uninsured motorist coverage?

In California, uninsured motorist coverage is required as part of most automobile insurance policies. This coverage, also known as UM coverage, pays for medical bills and other damages that you may suffer in an accident where the other driver does not have insurance or does not have enough insurance to cover the damages. Under the California Financial Responsibility Law, all drivers must have liability insurance that pays for medical bills and other damages caused by the policyholder or drive. However, if the other driver is uninsured or does not have enough insurance to cover the damages, then uninsured motorist coverage comes into effect. Uninsured motorist coverage can provide two types of protection. The first type of protection is "bodily injury." This type of protection covers the medical expenses, lost wages, and pain and suffering of you and any other person in your vehicle who is injured due to the accident with the uninsured motorist. The other type of protection is "property damage," which covers the repair or replacement of your car. Uninsured motorist coverage is a critical form of protection for both you and your family as you are at risk of facing financial ruin if you are involved in an accident caused by an uninsured motorist who does not have enough insurance coverage to pay for all of the damages.

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