Was in a car accident recently and I have foremost insurance. I was not at fault and have been offered the policy limits of the other driver. But it turns out it wasn’t enough so I called asking Foremost to see if I could dip into my uninsured motorist coverage to get my limit which is not much at all. The agent told me that I wouldn’t be able to get paid that amount from my uninsured motorist coverage since it wasn’t more than the other drivers policy limits?
I thought you could use your own BI policy limits when the other parties limits are not enough to cover medical expenses etc.
I am in California for reference. I’m just so confused because the adjuster is telling me I can’t and the research I do on the internet tells me I can. Can someone help clarify the situation thank you.🙏🏻
Posted by No-Screen1873
1 Comment
Your adjuster is correct. In California, in order to use your Under Insured Motorist Bodily Injury coverage, your coverage has to be more than the at fault parties coverage. So if they had $25k, you need to have $50k or more (or whatever the next level is)
Edited to add – you should be researching UIM coverage not UMBI coverage as they are different