California does not let you add up the uninsured and underinsured motorist limits of several vehicles or policies, and it decides whether a driver is underinsured by comparing limits, not damages. Enter your limit, your damages and what the at-fault driver paid to see what UM/UIM could add.
Enter your policy limit, your damages and what others have paid.
California's rule is in Insurance Code 11580.2. Subdivision (q) bars adding together the limits of two or more vehicles or policies, subdivision (p) sets the underinsured motorist rules, and the minimum limits are in Vehicle Code 16056.
Read why California does not stack coverage, check what subdivisions (d) and (q) say, or see how the limits-to-limits underinsured test works.
A local personal injury attorney can review your claim — many offer a free consultation.
This is an estimate for general guidance only and is not legal advice. Figures are based on the cited California statutes. Confirm how these rules apply to your specific case with a licensed California attorney.