A California auto policyholder wants to decline uninsured motorist (UM) coverage. How may that election be made?
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 The named insured may reject UM in writing; the rejection is effective until withdrawn in writing.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 CThis topic, taught in full in the California Property & Casualty Broker-Agent guide. California Property & Casualty Broker-Agent Study Guide — 2026 Edition — PDF + EPUB, $24.99 · 14-day refund →
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