In Fountain Valley, California, we pride ourselves on being a safe community, but the risks on the road don’t stop at city limits. Many drivers who visit Mile Square Park or travel through our city are under-insured. Since the 2026 update to California’s minimum liability limits (30/60/15), even drivers who have insurance might not have enough to cover a serious injury. This is where Underinsured Motorist (UIM) coverage becomes your best friend.
The Question: Does “Full Coverage” include protection against underinsured drivers?
The Answer: Not always. “Full Coverage” typically refers to having Liability, Collision, and Comprehensive insurance, but it often leaves out the crucial UM/UIM portion unless you specifically ask for it. If you’re involved in a serious collision in Fountain Valley, California and your medical bills exceed the other driver’s $30,000 limit, your UIM coverage kicks in to pay the remaining balance. Without it, you might have to sue the other driver—a process that is often unsuccessful if they have no assets to begin with.
👉 Check your policy for “blind spots.” [Free Policy Check in Fountain Valley, California]