Personal Auto InsuranceQuestion 21 of 158
An insured chooses California's minimum liability limits of 30/60/15 and does not sign a written waiver of Uninsured Motorist coverage. At what UM limits does the policy take effect by operation of law?
a.$5,000 / $10,000 because UM defaults to the lowest amount available
b.$60,000 / $120,000 because UM doubles the BI limits
c.$30,000 / $60,000 because UM defaults to the chosen liability limits
d.$100,000 / $300,000 because UM defaults to the statutory maximum
Explanation
Insurance Code §11580.2 requires UM coverage to be offered at limits equal to the liability limits. The insured may select lower UM limits or reject UM entirely, but only by signing a written waiver. With no waiver in the file, UM defaults to the same limits as the liability coverage — here, the chosen $30,000/$60,000.
Law Reference: Cal. Ins. Code §11580.2Practice all 158 questions free — no signup required.
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