It will only provide you with coverage if you are not at fault for the accident
Coverage can come from the same insurance company you use for your liability coverage
A claim must be filed with your insurance company within two years
Insurance companies are prohibited by law from offering less coverage and less protection than is required by California’s statute
Protection is extended to the “insured” person, not just the vehicle. That means you are protected if you are hit while walking, riding a bicycle or motorcycle
There are various exemptions to the law, but in the vast majority of situations, if you have uninsured or underinsured motorist coverage, you will be protected against the negligent acts of those uninsured.