May 22, 2020

Do you need to get Uninsured Motorist Coverage? Yes, you definitely need to get uninsured motorist coverage on your auto policy.  In California there are about 4 million drivers without insurance. Approximately 1 out of every 8 drivers in the U.S. is uninsured.

If you do not have Uninsured Motorist coverage and you are hit by an uninsured motorist who causes an accident and causes you injuries and property damage, you probably won’t be able to recover anything from them including your property damage, medical bills or pain and suffering. You can sue them personally—but good luck recovering. Usually they can just file bankruptcy to avoid paying you.

In 33 years I cannot tell you how many times I have represented people with serious injuries from car accidents who were not able to recover anything because the person who caused the accident was uninsured and my clients didn’t have uninsured motorist coverage.  Many of those cases were worth hundreds of thousands of dollars.

A lot of my clients say they have “full coverage.” But that only means you have the legal minimum to drive which is $15,000 in liability coverage if the accident is your fault and someone wants to file a claim against you. But you are not required to have uninsured motorist coverage.

We recommend you have at least $100,000/$300,000 coverage for uninsured motorist and more if you can afford it. That means that there is $100,000 available per person and $300,000 total to make a claim against your own insurance company for medical bills, wage loss and pain and suffering.  Call your agent. You may be surprised that it only costs a few dollars more per month.

At Guenard & Bozarth, LLP, we routinely handle severe and catastrophic injuries that have a major impact on peoples’ lives. We have more than 60 years of experience representing injured people. We would be honored to represent you. We are totally committed to each client’s case because each client has a special story to be told. Call us anytime at

(916) 714-7672 or visit






Guenard & Bozarth llp obtained a $2,962,903 jury verdict in the Sacramento County Superior Court for plaintiff David Schoonover, who suffered head and neck injuries and fractures in a head-on accident on Roseville Road in Roseville on July 22, 2012




Guenard & Bozarth LLP recently settled a case for $300,000 involving a hair weave that went terribly wrong. Our client was a young lady, and aspiring model, who experienced pressure necrosis from a tight weave and it changed her life.




Guenard & Bozarth LLP recently settled a slip and fall case for $500,000 a couple weeks before trial. The client slipped and fell on a wet piece of cardboard in a grocery store and sustained a serious shoulder injury that required surgery.




On February 13, 2013 Maricela, a Certified Nursing Assistant presented to Santa Barbara Cottage Hospital Emergency Room with complaint of neck and back pain. She was diagnosed with a neck strain and was given Ibuprofen and instructed to return if her symptoms did not subside.


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Never in my life did I think I would recommend an attorney. Somehow God sent this angel of an attorney to assist me in my personal injury lawsuit. I was told by lawyers in Bakersfield that my lawsuit was frivolous because there was money in it.
– Bill
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I live in Elk Grove where we don’t always have a lot of choices. Lawyers are one area where we have few good choices. I wanted to work with a local law firm after my motorcycle accident, and I chose Glenn Guenard and Ross Bozarth.
– Lloyd
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My daughter was involved in an automobile accident in an intersection on her 17th birthday. The other person said it was her fault and my daughter said her light was green. I am not the sort of person who sues but my insurance
– Sharon
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