California-Specific RulesQuestion 68 of 215
A California private passenger auto policyholder wants to reject uninsured motorist (UM) coverage. The rejection is effective only if:
a.The policyholder pays a reduced premium for the rejection
b.It is stated orally to the agent at the time of application
c.It is approved by the Department of Insurance
d.It is made in writing on a form provided by the insurer
Explanation
Cal. Ins. Code §11580.2 makes UM coverage automatic in every California auto liability policy unless the named insured rejects it in writing. The rejection must be a signed, written waiver — an oral statement to the agent is not sufficient. If no written rejection is on file, UM applies at the bodily-injury limits of the policy.
Law Reference: Cal. Ins. Code §11580.2Practice all 215 questions free — no signup required.
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