Rudd v. California Casualty General Insurance

Opinion

FROEHLICH, J.

Uninsured motorist insurance coverage, first adopted in California in 1961, 1 was designed to provide motorists injured by an uninsured tortfeasor minimum recovery from their own insurers. Such coverage applied only to the situation in which the negligent driver who inflicted injury on the insured person was completely without insurance. Failure to compensate the injured party also resulted, however, when damage was incurred in excess of the often minimal insurance coverage purchased by the tortfeasor. To remedy this perceived defect in the insurance coverage framework,…