Uninsured Motorist (UM) coverage in California is required to be offered with every auto liability policy. The insured may reject it in writing. UM coverage protects against:

• Property damage to the insured's home caused by an uninsured neighbor
• Medical expenses for the insured regardless of fault
• Damage the insured causes to their own vehicle
• Bodily injury to the insured caused by an at-fault driver with no liability insurance