Uninsured motorist coverage is one of the lines on your auto insurance policy that you may not understand the importance of. Because people are usually quite interested in saving money, they might consider dropping this piece of their plain. That is usually a bad idea, though.
While the insurance company of the at-fault driver is usually supposed to pay for the damages done in an accident, not everyone has auto insurance. When an insured person is involved in an accident that is not their fault and the at-fault driver has no coverage, there are two things that may happen. If the insured person does not have uninsured motorist coverage, many costs associated with the accident may fall on them. The other driver should pay, but he or she may not be able to.
The other possibility is the better outcome, and the reason why most people choose to carry uninsured motorist coverage. In this case, your coverage kicks in when it is determined that the at-fault driver has no insurance, and your own insurance company pays many of the bills. In California, 1st Community Insurance has their clients covered in the event of an accident, and you can become a client by contacting them today.