In California, regarding car insurance, do I need uninsured insurance even when I have collision coverage?

Question:
Doesn't collision coverage insure you if you are hit by an uninsured motorist? I don't need any injury insurance because I have health insurance. I am just wondering about the other uninsured coverages.

Answers:

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The majority of health insurance companies will not pay for medical treatment as a result of a car accident, and for some reason they do.....they're gonna look to your insurance company first for reimbursement and then you second. So you may want to consider Medical Payments coverage, that covers you the driver and any passengers in your vehicle.

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Collision coverage will pay for repairs to your car, less your deductible, regardless of fault, so this isn't an issue. UM & UIM coverage has NOTHING to do with your vehicle damages.
(UM stands for Uninsured Motorists, U I M stands for Underinsured Motorists)

do i keep the insurance check?

Uninsured motorist coverage allows you to recover damages (injury) you would legally be entitled to recover from an at fault party who doesn't have insurance. If you decline UM or UIM coverage, you must sign a waiver stating you are declining the coverage.

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The good thing in CA though...if you are at fault for the accident and the other party is BOTH injured and uninsured....he's barred from collecting on the injury claim, meaning your insurance doesn't pay him pain & suffering, ONLY property damage.

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Ask your insurance agent.

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ok so i got in a accident 100% the other persons fault i'm worried that my insurance rates will increase?

If you are hit by an uninsured driver, UIM will pay first and then your collision will kick in. It's always a good idea to carry UIM since it will also pay if you are a victim of hit-and-run. When UIM pays a claim it normally won't affect your insurance rates but if you're in a hit-and-run situation and don't have UIM, your collision coverage will pay but your rates may be affected.

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Further, regular health insurance may cover your injuries but won't do anything for pain and suffering or lost wages. UIM will pay for that up to the coverage limits though. Without UIM, you'd have to sue the other driver to recover any of that. Since most uninsured drivers don't have much that you could attach to satisfy a judgement you'd be left holding the bag. UIM hands that bag to your insurance company and makes life MUCH easier for you.

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Given the minimal cost of UIM and underinsured motorist coverage, I always carry it.

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please help?

You actually cannot have both Uninsured Motorist and Collision coverage on the same vehicle. You have to have one or the other.

Where are they from?

Collision does cover you being hit by a uninsured or underinsured motorist.

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