California Uninsured and Underinsured Motorist (UM/UIM) Injury Lawyer

Not every driver on the road carries insurance, and many carry only the minimum required by law. When a serious crash is caused by an uninsured or underinsured driver, the financial burden can fall on the injured person unless the right coverage is identified and properly pursued.

Uninsured and underinsured motorist (UM/UIM) claims allow injured individuals to seek compensation through their own auto insurance policy when the at-fault driver has no insurance or insufficient coverage.

Kantzabedian Law Firm represents individuals injured in accidents involving uninsured or underinsured drivers throughout Los Angeles County and across California. These cases are handled with a focus on identifying all available coverage, navigating the procedural requirements of UM/UIM claims, and pursuing full compensation. We speak English, Spanish, and Armenian.

CALL NOW!

(818) 237-5888

Click Here to Start Your Free Case Consultation Today

What Is UM/UIM Coverage?

UM/UIM coverage is part of an auto insurance policy designed to protect policyholders when the at-fault driver cannot fully pay for the harm caused.

Uninsured Motorist (UM) coverage applies when the at-fault driver has no insurance or cannot be identified, such as in a hit-and-run.

Underinsured Motorist (UIM) coverage applies when the at-fault driver has insurance, but the policy limits are too low to fully compensate for the injuries and losses.

Although these claims are made under the injured person's own policy, insurers may still dispute fault, causation, or the value of the claim. When an insurer acts unreasonably in handling a UM/UIM claim, insurance bad faith remedies may be available.

Common UM/UIM Scenarios

Uninsured and underinsured motorist claims often arise from:

Hit-and-run accidents
Collisions caused by uninsured drivers
Crashes involving drivers with minimum policy limits
Serious injury cases where damages exceed available coverage
Pedestrians or cyclists struck by uninsured drivers

These claims often involve significant injuries, including brain injuries, spinal injuries, and nerve damage.

Why UM/UIM Claims Are Different

UM/UIM claims differ from standard car accident cases because:

The claim is made against the injured person's own insurance company
Policies contain strict notice and procedural requirements
Arbitration may be required instead of a jury trial
Insurers may minimize injuries despite contractual obligations
Coverage limits, offsets, and exclusions must be carefully evaluated

Early mistakes can affect the outcome of the claim.

Common Injuries in UM/UIM Cases

Injuries commonly involved in UM/UIM claims include:

Traumatic brain injuries and concussions
Spinal injuries and spinal cord damage
Neck and back injuries including disc herniations
Fractures and orthopedic injuries
Nerve injuries and chronic pain
Long-term physical and functional limitations

The severity of these injuries often highlights the limitations of the at-fault driver's insurance.

What to Do After an Accident

After an accident, safety and medical care come first. If injuries are suspected, seek medical attention and follow medical guidance. If it is safe to do so, steps may include:

Reporting the accident to law enforcement
Notifying the insurance carrier promptly
Preserving photographs, videos, and witness information
Avoiding recorded statements before understanding coverage
Reviewing the policy for available UM/UIM benefits

Potential Compensation

Depending on the policy and circumstances, compensation may include:

Medical expenses
Lost wages and reduced earning capacity
Pain and suffering
Emotional distress
Future care needs
Out-of-pocket expenses

UM/UIM coverage is subject to policy limits and specific contractual terms.

How UM/UIM Claims Are Handled

UM/UIM claims require a structured approach, including:

Reviewing coverage, limits, and exclusions
Establishing fault and addressing disputes
Documenting injuries clearly and consistently
Evaluating full damages, not just immediate costs
Preparing for negotiation, arbitration, or litigation when necessary

Each case is handled with an understanding of how it will be evaluated and challenged by the other side.

California Uninsured and Underinsured Motorist (UM/UIM) Injury Lawyer

California Uninsured and Underinsured Motorist (UM/UIM) Injury Lawyer