Uninsured and Underinsured Motorist Coverage

In tough economic times, people are forced to analyze their budgets and cut costs. Unfortunately, many individuals are opting to reduce their car insurance coverage — or even unlawfully remove coverage entirely — in order to avoid other financial problems. When an accident victim is hit by an uninsured driver or underinsured driver, concerns are raised about how the accident victim will be compensated for medical bills, lost wages, pain and suffering, and other damages. At Harting, Simkins, & Ryan, LLP, our attorneys bring comprehensive knowledge of insurance laws and extensive experience handling complex car insurance claims. We know what it takes to help injured clients obtain the maximum compensation to which they are entitled.

If you are in need of legal services, please call 888-357-0461 or contact us by e-mail to schedule a free consultation. We will take immediate and strategic action to protect your rights.

Our attorneys help you understand California uninsured and underinsured motorist coverage (UM and UIM)

Although California law requires all drivers to carry a minimum of $15,000 bodily injury insurance coverage per person in an accident, many drivers fail to carry insurance or fail to carry the required minimum bodily injury coverage. Many drivers carry the bare minimum insurance coverage, which can also put seriously injured accident victims at risk.

  • Uninsured motorist accidents: When you are injured in a car accident involving an uninsured driver, your own uninsured motorist (UM) coverage can provide necessary compensation for medical bills and wage loss. Hit-and-run accident injuries can also be covered under your own uninsured motorist policy.
  • Underinsured motorist accidents: When you are seriously injured in a car accident, your medical bills and other damages can quickly exceed the policy limits of the negligent driver's insurance coverage. In these situations, you may be entitled to compensation up to the policy limits from the motorist's insurance company; however, you may also be entitled to supplementary compensation from your own insurance company for your injuries (up to the policy limits of your own underinsured motorist (UIM) coverage).

Many people are hesitant to file a claim against their own uninsured or underinsured policy in fear that insurance rates will increase. However, it is important to understand that your own policy premiums are not affected by using your uninsured or underinsured motorist coverage.

Strategic advocacy to protect your rights in UM/UIM claims

UM/UIM coverage is implied in every insurance policy. Therefore, if you never signed a waiver of uninsured/underinsured motorist coverage, you may still be eligible to make a claim against your own insurance company as if your policy contained a specific UM/UIM provision for such auto accidents.

Insurance companies can be ruthless in protecting their own bottom lines. As a result, injured car accident victims are wrongfully denied coverage where coverage should have been provided. A prime example is when an insurance company denies uninsured or underinsured motorist coverage. Even if your insurance policy does not explicitly include uninsured or underinsured coverage, our experienced attorneys can thoroughly investigate and examine your situation to determine what coverage is available.

Please call us toll free at 888-357-0461 or contact us by e-mail to schedule a free consultation. Our personal injury lawyers offer experienced advocacy and counsel to clients throughout Long Beach and Lakewood, California.

Home and hospital visits available · Located conveniently off Freeway 405 and 710, in the Bixby Knolls area of Long Beach · Contingency fees: no recovery, no fee