According to a 2008 report generated by the Insurance Research Council, approximately 18% of California drivers are uninsured. That means that if you are carrying the state minimum of $15,000 in liability only insurance and you are hit by one o
f these uninsured motorists, you may be stuck paying the entire bill yourself. One way to protect yourself
is to make sure that you carry Uninsured/Underinsured Motorist coverage (sometimes referred to as UIM) on your auto policy. This coverage protects you from being stuck with all of the bills after being hit by an uninsured motorist.
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