While it may not be flowers and chocolates, telling someone you love in Orange County to look into maximizing their uninsured/underinsured motorist coverage (also known as UM/UIM) on their auto policy may be one of the most loving things you can do that has practical value and benefit.  This important component of your auto coverage may be some of the least expensive auto insurance you can buy, but for less than a Valentines evening dinner, you can protect you and your family from those who are uninsured, and those who are carrying the state minimum insurance as well as hit and run drivers.

Unfortunately, hit and run accidents – especially in pedestrian scenarios – have become more common in southern California.  If you are struck by a hit and run driver who will pay for your injuries?  If law enforcement is unsuccessful in identifying the driver who caused your injuries, you would turn to the UM/UIM portion of your own auto policy.  As a pedestrian, these injuries can be quite severe and expensive, and for $5 to $7 a month you can provide extensive coverage that would allow you or your loved ones to fully recover from these types of injuries.