Most California UM coverage will pay up to a policy's UM limits for injuries caused to:

  • An injured person or a relative who lives with him/her, while a driver or passenger in the vehicle named in the UM insurance policy or any other vehicle, or while a pedestrian
  • anyone else driving the insured vehicle with permission, and
  • anyone else riding in the vehicle named in the insurance policy, or in any other vehicle in which the named insured is driving but which he/she does not own.