It is always good to be informed! Uninsured motorist coverage is another form of coverage that is often misunderstood and underestimated.
Civil Code Section 3333.4 restricts owners and operators of motor vehicles injured in a motor vehicle accident from recovering non-economic losses for compensation for pain, suffering, inconvenience, physical impairment, disfigurement, and other non-pecuniary damages if the injured person was not insured at the time of the accident as required by the Financial Responsibility Laws of the State of California, or if the injured person was driving under the influence and was convicted of that offense. Such a person, however, although uninsured, may recover such damages if at the time of the accident that person was injured by another who was convicted of driving under the influence.
See here for more information on your rights and responsibilities.