Give us a call
408.609.3966

Uninsured & Underinsured Motorist Coverage

Not Every Driver is a Responsible Driver.

As a safe driver, obeying street signs, speed limits, and always using your turn signals is simply part of the routine. And if you’re ever involved in an accident, your insurance policy typically keeps you protected.

Unfortunately, there are those on the road who don’t share the same safety precautions as you, and if you’re involved in an accident with a motorist without the right coverage, you may have to take care of any medical payments, damages, or any other expenses with money from your own pocket.

It’s Important to be Prepared for Everything

Uninsured/Underinsured Motorist Coverage gives you the assurance you need knowing that your medical expenses will be covered. In cases where the driver at fault does not have adequate liability to pay for your injuries and damages, you’ll be compensated for the amount in which you are legally entitled to – in regards to you, your passengers, and your vehicle. Uninsured/Underinsured Motorist Protection may also take care of property damage in some states.

Since Uninsured/Underinsured Motorist Coverage is a separate purchase from your typical Auto Insurance policy, it’s important to contact Red Wave Insurance Services to find out how you can be prepared for any situation on the road.

Our Location

Red Wave Insurance Services

2901 Moorpark Ave. Suite 260
San Jose, CA 95128
Main office: 408-609-3966
Fax: 888-733-1767

Our Providers

Testimonials

Excellent and Professional Service. Thank you Red Wave for going above and beyond my expectations and being there when I needed information. Your service is awesome and you really went out of your way to do so. Thank you again.

Jesse S.
All my insurance needs. I've used Red Wave for all my insurance needs. Home, auto, life and health/dental for my family. My agent, Michelle shopped different insurers for me and found the right fit for my family's needs. Great service and great pricing. Whenever I had questions, she answered them for me. For heath insurance, we looked at Obamacare vs my grandfathered health plan and I stayed with my grandfathered plan. I appreciate the comparative feedback so that I could make the best decision for my family. For auto and home, I was provided several quotes from different insurers. I like this option where I can shop for the best pricing and plans. I highly recommend this company. For life, I needed a policy to protect my family if something were to happen to me. I feel I've protected my family

Koon Y.
I have been insured with Red Wave for several years and hold an auto and rental property policies. Michelle Lin has been stellar to work with when I have had to file claims she has always made the processes simple and streamlined. She is extremely receptive of the requirements and needs of her clients. I have never had issues filing claims and or receiving insurance pay outs. She is very professional and friendly, I would recommend anyone looking for an insurance policy to work with Michelle.

Jeff F.
I needed flood insurance in a pinch after my lender force-placed an expensive policy on a rental property. I emailed Michelle and she let me know my options very quickly and found a policy that will save me over $1200 per year! As a broker, she can shop around for the best rates and programs available. Throughout all our communications and interactions, I found Michelle to be very professional, knowledgeable and straightforward. I highly recommend Red Wave to anyone needing advice and product with all things insurance - you will be in good hands.

Richard W.
I've been using Red Wave for all my personal and professional insurance needs for the past few years. All I can say is that I HIGHLY recommend this company. Michelle(the Broker) is very professional, friendly, and is fully committed to finding the policy that would be in your best interest. She is so patient in answering my endless questions(even repeated ones) and does a wonderful job in making sure I was comfortable with the policy before I signed any papers and put money down. I am a very satisfied customer who will be sticking with this company for a long time! :)

Nancy L.
Got the lowest insurance rates thanks to Michelle. Great service!!

Nathan C.
Very quick and thorough service. Saved us lots of money too! We got home insurance through Michelle. Michelle takes the time to go through the various insurance items and explains what the various items are and which features are important for your particular requirements. Instead of selling a one size fits all package she makes sure the coverage is appropriate so you don't end up spending more than you want or getting less than you need.

J.L.
First off, Michelle is a super nice person. You can tell she really cares about her clients and doing the right thing by them. Being an ex-cop, trust doesn't come easy....I was introduced to Michelle by another business person that was raving about her and what she had done for some people. Since Michelle is an Independent Broker, she is not beholden to any insurance company and can shop ALL of them for the best fit, unlike most brokers. I introduced her to my client and she totally took care of them, going out of her way to help. 5 stars!!

Steve B.
I was introduced to Michelle at Red Wave through a friend and I've been getting insurance through her ever since. We have our cars and home insured through Red Wave and benefit greatly from her quick response and action time. Would recommend her to anyone looking for an insurance broker.

Kirby C.
Michelle is a great insurance agent - she was able to find us a very reasonable rate and was very responsive in helping us work through issues related to our cars.

Mona W.
Michelle helped me with a home policy. I gave her 5 as the service was very efficient, cost effective and her explanation was always very clear.

Eugene C.
Michelle is superwoman. She's an honest, no-nonsense kind of gal. Highly recommended.

Christina V.