Why you should get uninsured / underinsured motorist insurance coverage

December 20, 2017 | 9:15 am

Do you have enough auto insurance coverage to protect you or a loved one in the case of an accident? That’s one of the most important questions you should consider before getting behind the wheel.

At the same time, you should consider the following:

  • Do you know what California’s minimum for auto insurance coverage?
  • Do you have uninsured or underinsured motorist insurance coverage?
  • And did you know that the California minimum — which is $15,000/$30,000 coverage — will cover an ambulance ride and little else?

To dive deeper into these questions, Chain | Cohn | Stiles, with the help of attorney and senior partner Matt Clark, has recorded a short video on the topic of auto insurance coverage.

Below, Clark answers the big question, “Why should I get uninsured / underinsured motorist insurance coverage?” In short, obtaining this coverage will help protect you and your family in the case of an motor vehicle accident.

Learn more by watching the video on chainlaw.com, or read more below. And if you have other questions related to an injury or accident, visit Chain | Cohn | Stiles’ Frequently Asked Questions page.


By California law, you’re required to purchase at minimum a $15,000/$30,000 coverage. So what exactly does that mean?

If you’re in an accident and it’s your fault, your insurance will pay up so much to those involved in that accident. That small coverage satisfies the coverage for auto insurance. People are always surprised to learn, after learning more about the law, that California requires so little insurance because that $15,000 will cover an ambulance ride to the hospital and little else.

So how do you protect yourself when there are people driving around with this limited coverage, or none at all? You can purchase uninsured / underinsured motorist insurance coverage.

How do these coverage work? You have to purchase this as part of your policy; however, insurance companies will not give you higher coverage than your auto insurance coverage. For example, if you have $100,000 in coverage, you can purchase up to 100,000 in uninsured / underinsured motorist insurance. But a lot of companies won’t tell you this. You typically have to sign a waiver to drop down your limits. Be very careful when you purchase auto insurance, and be sure it matches your liability limits. Don’t let the insurance companies sell you something less.

Once you have the coverage, if you’re in an accident and that person is at fault, uninsured / underinsured motorist insurance coverage will come in and pay. It covers you, but also blood relatives in your household and other passengers. For example, if your son is a passenger in his friend’s car, and they are involved in an accident, your uninsured / underinsured motorist insurance coverage will cover your son. Also, if you’re hit by a vehicle while walking in a parking lot, or hit by a vehicle while riding a bicycle, your uninsured / underinsured motorist insurance coverage will cover you.

If you have a $100,000 policy and the other driver at fault has only a $15,000 policy, you can collect that $15,000 and another $80,000 from your own policy for a total of $100,000, if your claim is worth that much. So this covers you if the driver at fault has little or no insurance.

This is the one of the most important coverages to protect you and your family. Far too often, people come to Chain | Cohn | Stiles with horrible injuries, and the driver at fault has little or no insurance, while they have limited coverage as well. Our sometimes attorneys have the sad task of telling people there is not much our lawyers can do to help because of limited or no insurance coverage. It’s not fair or just, but it’s reality.

This is a complicated issue. We advise you if you believe you have an injury or accident claim, call Chain | Cohn | Stiles. Meet with the lawyers and staff to learn the important steps to take.

And contact your insurance agent to learn more about uninsured / underinsured motorist insurance coverage options available to you.


If you or someone you know has a potential personal injury or workers’ compensation case, contact the lawyers for a free consultation at (661) 323-4000 or visit the website chainlaw.com.


*NOTICE: Making a false or fraudulent Workers’ Compensation claim is a felony subject to up to 5 years in a prison or a fine of up to $150,000 or double the value of the fraud, whichever is greater, or by both imprisonment and fine.

Teenage driving is as dangerous as ever. What you can do to make sure they’re safe

April 20, 2016 | 8:53 am

Over the years, cars have gotten safer and so have our roadways. In fact, they’re the safest they’ve ever been in the history of automobiles. It’s no wonder that the number of motor vehicle crash fatalities in the United States has continued to decline since 2006, according to the National Highway Traffic Safety Administration.

But for teenage drivers in the United States, driving is as dangerous as ever.

Auto accidents are the No. 1 killer of American teenagers — more so than suicide, cancer and other types of accidents, according to The New York Times. On average, six teenagers died each day from injuries related to auto accidents in 2013, according to the Centers for Disease Control and Prevention.

There are some notes to keep in mind that could help make sure your teenager gets from point A to point B safe and sound (courtesy of the New York Times):

  • Friends: Adding one non-family passenger to a car with a teenage driver increases the rate of accidents by 44 percent. Add a second non-family passenger, and that rate doubles, and add three or more passengers and it quadruples. As the NY Times, states: “Your cellphone isn’t encouraging your teen to go 80 in a 50, or 100 in a 70.”
  • Alcohol, Night Driving: Nearly a third of teenagers killed in car accidents had been drinking, according to U.S. Department of Transportation. Late-night driving significantly increased the risk, too.
  • Smartphones: It’s no secret that texting and phone usage can be a big distraction for teenagers at any time, but using smartphone while driving can be deadly. Even with hands-free equipment that is readily available in new cars, having your eyes on the road while your mind is elsewhere can negatively impact driver awareness. (FYI: April is Distracted Driving Awareness Month).
  • Safety Technology: New car safety technology tools are no-doubt helping save lives. Features including forward-collision warnings, lane-keeping assist, and automatic braking have all led to declines in teenage driving deaths and injuries in recent years. It may be worth the extra payment to get the best safety features in a new car.
  • Parents: Parents are not doing enough to supervise their children, and chances are teenage drivers are not driving as safely as parents may think. The more a parent is involved when a teenager is learning to drive, the lower their chances are for a crash.


If you or someone you know is involved and injured in a motor vehicle accident, contact the attorneys at Chain | Cohn | Stiles right away (661-323-4000). And remember to take the following 3 steps if you have been involved in an automobile accident:

  • 1) Obtain the name, address, insurance information, vehicle identification number (VIN) and driver’s license number of any and all persons involved in the accident, as well as the names, addresses, and telephone numbers of all witnesses.
  • 2) Make sure that a report is filed with the police, sheriff, or highway patrol, but do not talk to anyone else, especially insurance adjusters, about the accident or sign anything without first consulting an attorney.
  • 3) Seek medical attention immediately and explain to your physician or surgeon all of the symptoms and complaints you have been feeling since the accident occurred.