The importance of having uninsured motorist (UM/UIM) coverage in your car insurance policy cannot be overestimated, and considering that it only slightly increases the driver’s total insurance premium, there is no reason why you should not be having the UM coverage on your policy, especially if you are a driver in San Francisco Bay Area.
Some of the most serious accidents are caused by people who are reckless or at best irresponsible drivers. Ironically, people who are not responsible enough to drive safely, are often not responsible enough to have a valid car insurance. The are also the people who flee the scene of the accident, fearing both liability for the victim’s damages and for the legal consequences of driving without valid liability insurance, as each driver is required under California law.
If you end up sustaining injuries in an accident caused by an uninsured drivers, or a drivers who flees the scene of the incident, and you don’t have UM/UIM coverage, you are not likely to have any source of recovery for your injuries and pain and suffering, except the limited med pay coverage you may be having under your policy and your health insurance.