Explains why California drivers should not carry UIM limits below their liability limits. Covers the difference-in-limits offset, the dead-coverage scenario when UIM equals the at-fault driver's limits, the 2025 minimum-limit increase, and the umbrella UM/UIM endorsement gap.
Argues that uninsured and underinsured motorist coverage matters more than liability coverage for high-earning California professionals, because lost earning capacity dominates their damages and no health plan, disability policy, or standard umbrella reaches it. Covers the umbrella UM/UIM endorsement gap and the arbitration forum.
A step-by-step method for choosing uninsured and underinsured motorist limits in California: the liability-limit ceiling, why low UIM limits can pay nothing because of the difference-in-limits offset, income replacement and permanent impairment math, household coverage, typical limit ranges, and the four questions to ask a broker.
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