10-03-2026, 12:08 AM
加州 UM／UIM 車險：身體受傷與自己車損不是同一保障
加州汽車保單上的 uninsured／underinsured motorist（UM／UIM），是處理對方沒有或不足責任保險時的特定損失，不等於所有車禍開支都有保障。加州保險局說明，保險公司須提供這類保障的選擇，拒絕購買時須簽署放棄表格。
UMBI 主要針對無保險且有責任的駕駛者造成你或車內乘客受傷；UIM 則涉及對方保障不足的身體受傷損失。自己車輛受損要另看 UMPD 或碰撞保險。官方列 UMPD 上限三千五百美元，而且須辨認出沒有保險的責任駕駛者，不能把它當成所有肇事逃逸的完整維修保障。
Collision Deductible Waiver 又是另一項，處理符合條件事故的碰撞自付額。續保前拿出 declarations page，分別問清傷害、車損、自付額、限額與排除，不只問有沒有「全保」。已買碰撞保險者應問是否重疊及如何配合；本文不替個別事故判斷責任或可賠金額。
原刊日期未能確認。查閱日期：2026-10-02。官方資料：https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/auto101.cfm
English
California UM and UIM: bodily injury and damage to your car are different coverages
California uninsured and underinsured motorist protection addresses specified losses involving another driver with no or insufficient liability insurance. It does not cover every accident expense. The Department of Insurance explains that insurers must offer this protection and obtain a signed waiver when it is declined.
Uninsured motorist bodily injury concerns injuries to you or passengers caused by an uninsured driver at fault. Underinsured protection concerns limited bodily-injury costs when that driver's insurance is insufficient. Damage to your own car requires separate attention to uninsured motorist property damage or collision coverage. The state guide lists a thirty-five-hundred-dollar UMPD limit and requires identification of the uninsured responsible driver; it is not comprehensive repair protection for every hit-and-run.
A collision deductible waiver is another provision for qualifying accidents. Before renewal, use the declarations page to ask separately about injuries, vehicle damage, deductibles, limits and exclusions. Discuss overlap with collision coverage rather than request vaguely defined full coverage. This guide determines neither fault nor a payable amount.
Original publication date not established. Checked October 2, 2026. Official source: https://www.insurance.ca.gov/01-consumer...uto101.cfm
![[Image: legal.jpg]](https://inl3-media.pages.dev/assets/photos/legal.jpg)
Alena Darmel / Pexels · 已授權主題照片，並非文中機構、學校、診所、工作人員或服務使用者實景 / Licensed context photograph; not the named organization, school, clinic, staff or service users. 圖片來源 / Image source: https://www.pexels.com/photo/a-person-si...t-7641842/ 授權 / Licence: https://www.pexels.com/license/
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來源 / Source: California Department of Insurance
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.
加州汽車保單上的 uninsured／underinsured motorist（UM／UIM），是處理對方沒有或不足責任保險時的特定損失，不等於所有車禍開支都有保障。加州保險局說明，保險公司須提供這類保障的選擇，拒絕購買時須簽署放棄表格。
UMBI 主要針對無保險且有責任的駕駛者造成你或車內乘客受傷；UIM 則涉及對方保障不足的身體受傷損失。自己車輛受損要另看 UMPD 或碰撞保險。官方列 UMPD 上限三千五百美元，而且須辨認出沒有保險的責任駕駛者，不能把它當成所有肇事逃逸的完整維修保障。
Collision Deductible Waiver 又是另一項，處理符合條件事故的碰撞自付額。續保前拿出 declarations page，分別問清傷害、車損、自付額、限額與排除，不只問有沒有「全保」。已買碰撞保險者應問是否重疊及如何配合；本文不替個別事故判斷責任或可賠金額。
原刊日期未能確認。查閱日期：2026-10-02。官方資料：https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/auto101.cfm
English
California UM and UIM: bodily injury and damage to your car are different coverages
California uninsured and underinsured motorist protection addresses specified losses involving another driver with no or insufficient liability insurance. It does not cover every accident expense. The Department of Insurance explains that insurers must offer this protection and obtain a signed waiver when it is declined.
Uninsured motorist bodily injury concerns injuries to you or passengers caused by an uninsured driver at fault. Underinsured protection concerns limited bodily-injury costs when that driver's insurance is insufficient. Damage to your own car requires separate attention to uninsured motorist property damage or collision coverage. The state guide lists a thirty-five-hundred-dollar UMPD limit and requires identification of the uninsured responsible driver; it is not comprehensive repair protection for every hit-and-run.
A collision deductible waiver is another provision for qualifying accidents. Before renewal, use the declarations page to ask separately about injuries, vehicle damage, deductibles, limits and exclusions. Discuss overlap with collision coverage rather than request vaguely defined full coverage. This guide determines neither fault nor a payable amount.
Original publication date not established. Checked October 2, 2026. Official source: https://www.insurance.ca.gov/01-consumer...uto101.cfm
Alena Darmel / Pexels · 已授權主題照片，並非文中機構、學校、診所、工作人員或服務使用者實景 / Licensed context photograph; not the named organization, school, clinic, staff or service users. 圖片來源 / Image source: https://www.pexels.com/photo/a-person-si...t-7641842/ 授權 / Licence: https://www.pexels.com/license/
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來源 / Source: California Department of Insurance
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.