Auto InsuranceQuestion 4 of 215
A California auto policyholder wants to decline uninsured motorist (UM) coverage. How may that election be made?
a.By a verbal statement at policy inception
b.By a written waiver signed by the named insured
c.Automatically if liability limits are at least 25/50/15
d.It cannot be declined under any circumstances
Explanation
Insurance Code §11580.2 requires that UM bodily injury be offered with every California auto liability policy at limits matching the liability limits but not less than the financial responsibility minimums. The named insured may reject UM in writing; the rejection is effective until withdrawn in writing. Higher liability limits do not automatically waive UM, and an oral rejection is not valid.
Law Reference: Cal. Ins. Code §11580.2; ISO PAP Part CPractice all 215 questions free — no signup required.
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