{"id":5314,"date":"2022-08-08T06:37:06","date_gmt":"2022-08-08T06:37:06","guid":{"rendered":"https:\/\/devsite.design\/bf\/?p=5314"},"modified":"2026-07-01T14:22:22","modified_gmt":"2026-07-01T14:22:22","slug":"the-hazards-of-going-uninsured-or-underinsured","status":"publish","type":"post","link":"https:\/\/devsite.design\/bf\/2022\/08\/08\/the-hazards-of-going-uninsured-or-underinsured\/","title":{"rendered":"The Hazards of Going Uninsured or Underinsured"},"content":{"rendered":"<div id=\"pl-5314\"  class=\"panel-layout\" ><div id=\"pg-5314-0\"  class=\"panel-grid panel-has-style\" ><div class=\"siteorigin-panels-stretch panel-row-style panel-row-style-for-5314-0\" data-stretch-type=\"full-width-stretch\" ><div id=\"pgc-5314-0-0\"  class=\"panel-grid-cell\" ><div id=\"panel-5314-0-0-0\" class=\"so-panel widget widget_text panel-first-child panel-last-child\" data-index=\"0\" >\t\t\t<div class=\"textwidget\">\n\t\t\t<!-- START blog REVOLUTION SLIDER 6.4.5 --><p class=\"rs-p-wp-fix\"><\/p>\n\t\t\t<rs-module-wrap id=\"rev_slider_74_1_wrapper\" data-source=\"gallery\" style=\"background:transparent;padding:0;margin:0px auto;margin-top:0;margin-bottom:0;\">\n\t\t\t\t<rs-module id=\"rev_slider_74_1\" style=\"\" data-version=\"6.4.5\">\n\t\t\t\t\t<rs-slides>\n\t\t\t\t\t\t<rs-slide data-key=\"rs-74\" data-title=\"Slide\" data-in=\"o:0;\" data-out=\"a:false;\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"\/\/devsite.design\/bf\/wp-content\/uploads\/2026\/06\/BF-hero-partners6-10-26.jpg\" title=\"BF-hero-partners6-10-26\" width=\"2016\" height=\"1062\" class=\"rev-slidebg tp-rs-img\" data-panzoom=\"d:10000;ss:100;se:105%;\" data-no-retina>\n<!--\n\t\t\t\t\t\t\t--><rs-layer\n\t\t\t\t\t\t\t\tid=\"slider-74-slide-74-layer-1\" \n\t\t\t\t\t\t\t\tdata-type=\"text\"\n\t\t\t\t\t\t\t\tdata-color=\"#ffffff\"\n\t\t\t\t\t\t\t\tdata-rsp_ch=\"on\"\n\t\t\t\t\t\t\t\tdata-xy=\"x:911px;y:695px;\"\n\t\t\t\t\t\t\t\tdata-text=\"w:normal;s:111;l:59;fw:500;\"\n\t\t\t\t\t\t\t\tdata-dim=\"w:1444;h:86;\"\n\t\t\t\t\t\t\t\tdata-frame_999=\"o:0;st:w;\"\n\t\t\t\t\t\t\t\tstyle=\"z-index:9;font-family:Georgia, serif;\"\n\t\t\t\t\t\t\t>Law Blog \n\t\t\t\t\t\t\t<\/rs-layer><!--\n\n\t\t\t\t\t\t\t--><rs-layer\n\t\t\t\t\t\t\t\tid=\"slider-74-slide-74-layer-2\" \n\t\t\t\t\t\t\t\tdata-type=\"shape\"\n\t\t\t\t\t\t\t\tdata-rsp_ch=\"on\"\n\t\t\t\t\t\t\t\tdata-xy=\"x:866px;y:660px;\"\n\t\t\t\t\t\t\t\tdata-text=\"w:normal;\"\n\t\t\t\t\t\t\t\tdata-dim=\"w:1457px;h:153.998px;\"\n\t\t\t\t\t\t\t\tdata-frame_999=\"o:0;st:w;\"\n\t\t\t\t\t\t\t\tstyle=\"z-index:8;background-color:rgba(32,43,65,0.36);\"\n\t\t\t\t\t\t\t> \n\t\t\t\t\t\t\t<\/rs-layer><!--\n-->\t\t\t\t\t\t<\/rs-slide>\n\t\t\t\t\t<\/rs-slides>\n\t\t\t\t<\/rs-module>\n\t\t\t\t<script type=\"text\/javascript\">\n\t\t\t\t\tsetREVStartSize({c: 'rev_slider_74_1',rl:[1240,1024,778,480],el:[1061],gw:[2016],gh:[1061],type:'standard',justify:'',layout:'fullwidth',mh:\"0\"});\n\t\t\t\t\tvar\trevapi74,\n\t\t\t\t\t\ttpj;\n\t\t\t\t\tfunction revinit_revslider741() {\n\t\t\t\t\tjQuery(function() {\n\t\t\t\t\t\ttpj = jQuery;\n\t\t\t\t\t\trevapi74 = tpj(\"#rev_slider_74_1\");\n\t\t\t\t\t\tif(revapi74==undefined || revapi74.revolution == undefined){\n\t\t\t\t\t\t\trevslider_showDoubleJqueryError(\"rev_slider_74_1\");\n\t\t\t\t\t\t}else{\n\t\t\t\t\t\t\trevapi74.revolution({\n\t\t\t\t\t\t\t\tsliderLayout:\"fullwidth\",\n\t\t\t\t\t\t\t\tvisibilityLevels:\"1240,1024,778,480\",\n\t\t\t\t\t\t\t\tgridwidth:2016,\n\t\t\t\t\t\t\t\tgridheight:1061,\n\t\t\t\t\t\t\t\tperspective:600,\n\t\t\t\t\t\t\t\tperspectiveType:\"global\",\n\t\t\t\t\t\t\t\teditorheight:\"1061,651.994,869.99,259.99\",\n\t\t\t\t\t\t\t\tresponsiveLevels:\"1240,1024,778,480\",\n\t\t\t\t\t\t\t\tprogressBar:{disableProgressBar:true},\n\t\t\t\t\t\t\t\tnavigation: {\n\t\t\t\t\t\t\t\t\tonHoverStop:false\n\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t\tfallbacks: {\n\t\t\t\t\t\t\t\t\tallowHTML5AutoPlayOnAndroid:true\n\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t});\n\t\t\t\t\t\t}\n\t\t\t\t\t\t\n\t\t\t\t\t});\n\t\t\t\t\t} \/\/ End of RevInitScript\n\t\t\t\tvar once_revslider741 = false;\n\t\t\t\tif (document.readyState === \"loading\") {document.addEventListener('readystatechange',function() { if((document.readyState === \"interactive\" || document.readyState === \"complete\") && !once_revslider741 ) { once_revslider741 = true; revinit_revslider741();}});} else {once_revslider741 = true; revinit_revslider741();}\n\t\t\t\t<\/script>\n\t\t\t<\/rs-module-wrap>\n\t\t\t<!-- END REVOLUTION SLIDER -->\n\n<\/div>\n\t\t<\/div><\/div><\/div><\/div><div id=\"pg-5314-1\"  class=\"panel-grid panel-has-style\" ><div class=\"siteorigin-panels-stretch panel-row-style panel-row-style-for-5314-1\" data-stretch-type=\"full-width-stretch\" ><div id=\"pgc-5314-1-0\"  class=\"panel-grid-cell\" ><div id=\"panel-5314-1-0-0\" class=\"so-panel widget widget_text panel-first-child panel-last-child\" data-index=\"1\" >\t\t\t<div class=\"textwidget\">\n\t\t\t<!-- START law blog mobile REVOLUTION SLIDER 6.4.5 --><p class=\"rs-p-wp-fix\"><\/p>\n\t\t\t<rs-module-wrap id=\"rev_slider_98_2_wrapper\" data-source=\"gallery\" style=\"background:transparent;padding:0;margin:0px auto;margin-top:0;margin-bottom:0;\">\n\t\t\t\t<rs-module id=\"rev_slider_98_2\" style=\"\" data-version=\"6.4.5\">\n\t\t\t\t\t<rs-slides>\n\t\t\t\t\t\t<rs-slide data-key=\"rs-98\" data-title=\"Slide\" data-in=\"o:0;\" data-out=\"a:false;\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"\/\/devsite.design\/bf\/wp-content\/uploads\/2026\/09\/BF-hero-mobile9-1-26.jpg\" title=\"BF-hero-mobile9-1-26\" width=\"480\" height=\"466\" class=\"rev-slidebg tp-rs-img\" data-bg=\"p:center top;f:contain;\" data-no-retina>\n<!--\n\t\t\t\t\t\t\t--><rs-layer\n\t\t\t\t\t\t\t\tid=\"slider-98-slide-98-layer-1\" \n\t\t\t\t\t\t\t\tdata-type=\"text\"\n\t\t\t\t\t\t\t\tdata-color=\"#ffffff||#ffffff||#ffffff||#202b41\"\n\t\t\t\t\t\t\t\tdata-rsp_ch=\"on\"\n\t\t\t\t\t\t\t\tdata-xy=\"x:l,l,l,c;xo:682px,682px,682px,1px;yo:845px,845px,845px,364px;\"\n\t\t\t\t\t\t\t\tdata-text=\"w:normal;s:65,65,65,40;l:40,40,40,50;a:left,left,left,center;\"\n\t\t\t\t\t\t\t\tdata-dim=\"w:976px,976px,976px,462px;\"\n\t\t\t\t\t\t\t\tdata-frame_999=\"o:0;st:w;\"\n\t\t\t\t\t\t\t\tstyle=\"z-index:9;font-family:Georgia, serif;\"\n\t\t\t\t\t\t\t>Law Blog \n\t\t\t\t\t\t\t<\/rs-layer><!--\n\n\t\t\t\t\t\t\t--><rs-layer\n\t\t\t\t\t\t\t\tid=\"slider-98-slide-98-layer-5\" \n\t\t\t\t\t\t\t\tdata-type=\"text\"\n\t\t\t\t\t\t\t\tdata-rsp_ch=\"on\"\n\t\t\t\t\t\t\t\tdata-xy=\"x:l,l,l,c;xo:682px,682px,682px,0;yo:845px,845px,845px,641px;\"\n\t\t\t\t\t\t\t\tdata-text=\"w:normal;s:65,65,65,40;l:40,40,40,47;\"\n\t\t\t\t\t\t\t\tdata-dim=\"w:976px,976px,976px,173.9921px;h:auto,auto,auto,94.0079px;\"\n\t\t\t\t\t\t\t\tdata-frame_999=\"o:0;st:w;\"\n\t\t\t\t\t\t\t\tstyle=\"z-index:8;font-family:Georgia, serif;\"\n\t\t\t\t\t\t\t>Law Blog \n\t\t\t\t\t\t\t<\/rs-layer><!--\n-->\t\t\t\t\t\t<\/rs-slide>\n\t\t\t\t\t<\/rs-slides>\n\t\t\t\t<\/rs-module>\n\t\t\t\t<script type=\"text\/javascript\">\n\t\t\t\t\tsetREVStartSize({c: 'rev_slider_98_2',rl:[1240,1240,1240,480],el:[1217,1217,1217,466],gw:[2016,2016,2016,480],gh:[1217,1217,1217,466],type:'standard',justify:'',layout:'fullwidth',mh:\"0\"});\n\t\t\t\t\tvar\trevapi98,\n\t\t\t\t\t\ttpj;\n\t\t\t\t\tfunction revinit_revslider982() {\n\t\t\t\t\tjQuery(function() {\n\t\t\t\t\t\ttpj = jQuery;\n\t\t\t\t\t\trevapi98 = tpj(\"#rev_slider_98_2\");\n\t\t\t\t\t\tif(revapi98==undefined || revapi98.revolution == undefined){\n\t\t\t\t\t\t\trevslider_showDoubleJqueryError(\"rev_slider_98_2\");\n\t\t\t\t\t\t}else{\n\t\t\t\t\t\t\trevapi98.revolution({\n\t\t\t\t\t\t\t\tsliderLayout:\"fullwidth\",\n\t\t\t\t\t\t\t\tvisibilityLevels:\"1240,1240,1240,480\",\n\t\t\t\t\t\t\t\tgridwidth:\"2016,2016,2016,480\",\n\t\t\t\t\t\t\t\tgridheight:\"1217,1217,1217,466\",\n\t\t\t\t\t\t\t\tperspective:600,\n\t\t\t\t\t\t\t\tperspectiveType:\"global\",\n\t\t\t\t\t\t\t\teditorheight:\"1217,651.994,869.99,466\",\n\t\t\t\t\t\t\t\tresponsiveLevels:\"1240,1240,1240,480\",\n\t\t\t\t\t\t\t\tprogressBar:{disableProgressBar:true},\n\t\t\t\t\t\t\t\tnavigation: {\n\t\t\t\t\t\t\t\t\tonHoverStop:false\n\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t\tfallbacks: {\n\t\t\t\t\t\t\t\t\tallowHTML5AutoPlayOnAndroid:true\n\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t});\n\t\t\t\t\t\t}\n\t\t\t\t\t\t\n\t\t\t\t\t});\n\t\t\t\t\t} \/\/ End of RevInitScript\n\t\t\t\tvar once_revslider982 = false;\n\t\t\t\tif (document.readyState === \"loading\") {document.addEventListener('readystatechange',function() { if((document.readyState === \"interactive\" || document.readyState === \"complete\") && !once_revslider982 ) { once_revslider982 = true; revinit_revslider982();}});} else {once_revslider982 = true; revinit_revslider982();}\n\t\t\t\t<\/script>\n\t\t\t<\/rs-module-wrap>\n\t\t\t<!-- END REVOLUTION SLIDER -->\n\n<\/div>\n\t\t<\/div><\/div><\/div><\/div><div id=\"pg-5314-2\"  class=\"panel-grid panel-has-style\" ><div class=\"siteorigin-panels-stretch panel-row-style panel-row-style-for-5314-2\" data-stretch-type=\"full\" ><div id=\"pgc-5314-2-0\"  class=\"panel-grid-cell\" ><div id=\"panel-5314-2-0-0\" class=\"so-panel widget widget_sow-editor panel-first-child panel-last-child\" data-index=\"2\" ><div class=\"panel-widget-style panel-widget-style-for-5314-2-0-0\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-sow-editor so-widget-sow-editor-base\"\n\t\t\t\n\t\t>\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<p><span style=\"font-size: 24pt; font-family: garamond;\">The Hazards of Going Uninsured or Underinsured<\/span><\/p>\n<p data-uw-styling-context=\"true\">Partner David Fiol recently was asked to write a blog posting for <span style=\"color: #ceae7f;\"><a style=\"color: #ceae7f;\" href=\"https:\/\/uphelp.org\/\" target=\"_blank\" rel=\"noopener\" data-uw-styling-context=\"true\">United Policyholders<\/a><\/span> addressing the question of whether consumers purchasing automobile insurance should select the minimum limits required under state law. The blog post can be found here. It highlights the fact that the minimum limits for automobile insurance have not been changed in most states for years, if not decades. <em data-uw-styling-context=\"true\">California\u2019s limits have never been changed since they were first enacted in the 1970s.<\/em><span class=\"Apple-converted-space\" data-uw-styling-context=\"true\">\u00a0<\/span>They are woefully inadequate, and leave drivers exposed to the possibility of losing their valuable assets \u2013 even their homes. Today, a person who suffers even a modest injury such as a broken arm is likely to recover in excess of $50,000 to recover the cost of medical care, lost earnings and pain and suffering, yet the millions of drivers have coverage limits of only $15,000 per person. In such a case the injured plaintiff will look to the underinsured driver\u2019s personal assets to make up the difference.<\/p>\n<p data-uw-styling-context=\"true\">Many drivers (about 1 in 7) on the road today do not purchase any coverage at all. Driving without insurance is against the law, and it has serious consequences. In California, you can lose your license if you are involved in an accident and don\u2019t have insurance, <em>even\u00a0if you were not the one at fault.<\/em><span class=\"Apple-converted-space\" data-uw-styling-context=\"true\">\u00a0<\/span>Moreover, if you are seriously hurt in that accident, you will be able to sue to recover your lost earnings, but that is just about all you will receive. As punishment for driving without insurance, you lose the right to seek compensation for your pain, suffering, disfigurement, loss of function and other harms.<\/p>\n<p data-uw-styling-context=\"true\">If you have any questions about the kinds and amounts of auto coverage you should buy, don\u2019t be afraid to speak to your broker or insurer, and do your research on reputable web sites like that of United Policyholders.<\/p>\n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><div id=\"pg-5314-3\"  class=\"panel-grid panel-has-style\" ><div class=\"siteorigin-panels-stretch panel-row-style panel-row-style-for-5314-3\" data-stretch-type=\"full\" ><div id=\"pgc-5314-3-0\"  class=\"panel-grid-cell\" ><div id=\"panel-5314-3-0-0\" class=\"so-panel widget widget_sow-editor panel-first-child\" data-index=\"3\" ><div class=\"panel-widget-style panel-widget-style-for-5314-3-0-0\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-sow-editor so-widget-sow-editor-base\"\n\t\t\t\n\t\t>\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<p><span style=\"font-family: garamond; font-size: 24pt; color: #ceae7f;\">Contact Us<\/span><\/p>\n<p>1000 4th Street, Suite 580<br \/>\nSan Rafael, California 94901<\/p>\n<p>117 E. Colorado Boulevard, Suite 465<br \/>\nPasadena, California 91105<\/p>\n<p>Northern CA: <a href=\"tel:8444434920\">844-443-4920<\/a><\/p>\n<p>Southern CA: <a href=\"tel:6262404850\">626-240-4850<\/a><\/p>\n<\/div>\n<\/div><\/div><\/div><div id=\"panel-5314-3-0-1\" class=\"so-panel widget widget_sow-editor panel-last-child\" data-index=\"4\" ><div class=\"panel-widget-style panel-widget-style-for-5314-3-0-1\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-sow-editor so-widget-sow-editor-base\"\n\t\t\t\n\t\t>\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<p><span style=\"font-family: garamond; font-size: 24pt;\"><span style=\"color: #ceae7f;\">Follow us online\u00a0<\/span> \u00a0 <a href=\"https:\/\/www.linkedin.com\/company\/brent-and-fiol-llp\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-5095\" src=\"https:\/\/devsite.design\/bf\/wp-content\/uploads\/2025\/12\/linkedin-small-trans-12-18-25.png\" alt=\"\" width=\"32\" height=\"32\" \/><\/a><\/span><\/p>\n<p>This is an accessible workplace. Persons with disabilities are welcome to apply.<\/p>\n<\/div>\n<\/div><\/div><\/div><\/div><div id=\"pgc-5314-3-1\"  class=\"panel-grid-cell panel-grid-cell-mobile-last\" ><div id=\"panel-5314-3-1-0\" class=\"so-panel widget widget_sow-editor panel-first-child panel-last-child\" data-index=\"5\" ><div class=\"panel-widget-style panel-widget-style-for-5314-3-1-0\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-sow-editor so-widget-sow-editor-base\"\n\t\t\t\n\t\t>\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<p><span style=\"font-size: 24pt; font-family: garamond; color: #ceae7f;\">Office Hours<\/span><\/p>\n<p>Monday to Friday<br \/>\n9:00 am to 6:00 pm<\/p>\n<p>Saturday<br \/>\n9:00 am to 12 noon<\/p>\n<p>Closed on Sundays<\/p>\n<\/div>\n<\/div><\/div><\/div><\/div><div id=\"pgc-5314-3-2\"  class=\"panel-grid-cell panel-grid-cell-empty\" ><\/div><\/div><\/div><div id=\"pg-5314-4\"  class=\"panel-grid panel-has-style\" ><div class=\"siteorigin-panels-stretch panel-row-style panel-row-style-for-5314-4\" data-stretch-type=\"full\" ><div id=\"pgc-5314-4-0\"  class=\"panel-grid-cell panel-grid-cell-empty\" ><\/div><div id=\"pgc-5314-4-1\"  class=\"panel-grid-cell\" ><div id=\"panel-5314-4-1-0\" class=\"so-panel widget widget_sow-editor panel-first-child panel-last-child\" data-index=\"6\" ><div class=\"panel-widget-style panel-widget-style-for-5314-4-1-0\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-sow-editor so-widget-sow-editor-base\"\n\t\t\t\n\t\t>\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<p>\u00a92026 - Brent &amp; Fiol, LLP<\/p>\n<\/div>\n<\/div><\/div><\/div><\/div><div id=\"pgc-5314-4-2\"  class=\"panel-grid-cell\" ><div id=\"panel-5314-4-2-0\" class=\"so-panel widget widget_sow-editor panel-first-child panel-last-child\" data-index=\"7\" ><div class=\"panel-widget-style panel-widget-style-for-5314-4-2-0\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-sow-editor so-widget-sow-editor-base\"\n\t\t\t\n\t\t>\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<p>site design: <a href=\"https:\/\/jamesacker.info\" target=\"_blank\" rel=\"noopener\">JRA write | design<\/a><\/p>\n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Partner David Fiol recently was asked to write a blog posting for United Policyholders addressing the question of whether consumers purchasing automobile insurance should select the minimum limits required under state law.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5314","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>About Us - Brent &amp; Fiol, LLP Attorneys At Law<\/title>\n<meta name=\"description\" content=\"Philosophy Our mission is to aggressively and zealously achieve the best results for our clients. Settlement is always an option, but we are unafraid.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"About Us - Brent &amp; Fiol, LLP Attorneys At Law\" \/>\n<meta property=\"og:description\" content=\"Philosophy Our mission is to aggressively and zealously achieve the best results for our clients. 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