Underinsured & Uninsured Coverage

Underinsured & Uninsured Coverage

Too often in our practice, we find that our clients do not protect their interests by carrying at least the same limit of uninsured/underinsured motorist coverage as liability coverage. Insurance companies and their agents fail to explain the importance of this coverage. As a motorist, you need to protect yourself from other drivers and their potential lack of coverage.

When an accident occurs, the automobile insurance of the at-fault party will cover your damages. But what happens if their insurance doesn’t have a high enough liability limit? What happens if the person who hit you doesn’t have any insurance at all? This is where underinsured and uninsured motorist coverage comes into play.

Underinsured Motorist Coverage (UIM)

Underinsured motorist coverage protects you for all expenses and your pain and suffering when you are hit by an at-fault driver with some insurance, but not a high enough limit to cover all your damages. Experts suspect that up to half of all drivers carry minimal insurance.

UIM coverage works similar to your liability bodily injury coverage, but instead of insuring someone you injured, it insures you when someone injures you. This insurance can help you recoup the loss of wages, medical bills, funeral costs, any out-of-pocket expenses, and pain and suffering.

Uninsured Motorist Coverage (UM)

To legally drive in most states, a driver’s license and automobile insurance are required. Despite these legal requirements, there are many drivers who believe they can get away with driving without insurance and sometimes these drivers get into accidents. If you’ve been hit by a driver with no insurance and you have uninsured motorist coverage, you can rest easy.

UM coverage also covers you as a victim of a “hit-and-run” accident when the other driver is never caught.

Passengers in your vehicle or members of your household are also covered under both UM and UIM insurance.

Here’s how UM/UIM coverage works. When you are injured by a motorist with a $15,000 liability limit, but you have a $100,000 underinsured motorist limit, you will be entitled to $15,000 from the at-fault motorist’s insurance and $85,000 from your insurance (the difference between the at-fault driver’s liability limit and your underinsured motorist limit). If the at-fault motorist is uninsured, then you are entitled to $100,000 from your insurance.

Note that your UM/UIM coverage cannot exceed the limits you carry on your liability coverage.

Looking for More Information?

If you’ve been in an accident with an underinsured or uninsured driver and aren’t sure what your next move should be, then we should talk. Call James for a free consultation at (714) 698-4750.



Freeway Lanes Closed due to Motorcycle Crash
Father and his 2 children dead after suspected drunk driver crashes into them
Fatal Pedestrian-Vehicle Collision in Anaheim
1 Killed Multiple Injured After 6-Car Crash
California Bicycle Laws: What You Need to Know
A car crash in Ortega Highway kills a woman and leaves a man injured
How Bird Scooters Have Effected LA For Traut
Multi-Vehicle Accident involving a bus results in 1 dead and 7 in hospital
Head-on Highway Crash - One fatality
Pedestrian Crash results in two dead
What To Do If You Were In A Truck Accident
Newport Beach, Man struck by vehicle, Killed
Bakersfield police looking for 3 suspects in an October hit and run
Two-Vehicle crash on Santa Ana (5) freeway in Tustin results in man dead
Stop and Frisk Law in California
School Bus Driver Criminally Charged
Cyclist Dies After Collision In Stanton
Safety for Motorcyclists
Many Rollover Accidents are Preventable
2 Detained Women and 1 dead on Hyde Park Accident
Motorist flees after crashing into car repair shop, killing one
Why Do Some Lawyers Get Higher Settlements For Their Clients?
fatal Vehicle collision with pedestrian
In California, Hazing is Illegal
High-Speed Driving leads to injury and fatality in anaheim
Comedian’s Family Settles with Walmart
Hit-and-run leaves woman and dog dead
Pedestrian Fatally Struck By Amtrak Train
Teens Text While Driving a lot but Adults do it Even More
Costa Mesa Fire Chief Dies 2-Day After Being Struck By Suspected DUI
Sheriff’s Deputy Dead After Fatal Crash
Fatal DUI Car Accident Leads to Arrest
A hit-and-run driver struck a man in a wheelchair on 1st and Townsend Streets’ areaWhat To Do If You're Hit by a Drunk Driver.
Wrong-Way crash results in 2 dead and 3 injured on 110 freeway
Underinsured & Uninsured Coverage
Car Crashes into Guardrail, Killing Two
Driver Killed After Truck Lands On Top Vehicle
Collision in South La Intersection Results in death of a woman
TIPS ON DEALING WITH INSURANCE COMPANIES AFTER AN ACCIDENT
Hit-and-run Near Dodger Stadium results in 1 death
Pedestrian pronounced died in hospital after a hit-and-run
2 people die after tanker truck overturns between Ventura, Ojai
SLIP AND FALL ACCIDENTS – IT MAY NOT BE YOUR FAULT
A woman was killed while outside of a vehicle in Los Alamitos
3 People struck by Van on School Crosswalk - 8 Year old Killed
CORONAVIRUS UPDATE – OFFICE MEETINGS AND COURTHOUSE
Injured Toddler Dies After Grapevine Fog Accidents
woman, 46, pronounced dead at the scene of a hit-and-run
Collision Between Pedestrian and Vehicle Leaves One Dead in Garden Grove
Bicycle car accident fatality
05 OCT Whittier Man shot and killed by Police
26-year Old Dies in Car Accident
10 Summer Driving Tips
Unsafe fire truck driving caused crash into restaurant - Traut
20 Year Old Soldier Killed in Crash With Drunk Driver
Semi-truck and SUV collide in Southern California - at least 15 people dead
Mid-City Hotel Fire Leaves One Dead, Several Injured
2 People were killed on SoCal Highway 405
California jury awards $10M to victim’s family
I WANT TO SUE MY PRIOR ATTORNEY FOR LEGAL MALPRACTICE
Multi-car accident results in the death of Jeffrey McKee
Excessive Speed can kill you
Los Angeles Truck Accident Lawyer ~ Trucking Accident In Southern CA
Man Dies of Injuries After Huntington Beach Crash
Motorcyclist Dead After Crash In Costa Mesa
Drop in Gas Prices May Not Affect Public Transit Use
Motorcyclist Killed in Fatal Crash on Freeway
Suspected DUI Driver Collides With Disabled Car
Driver Fails to Stop at Light, Causes Crash
Driver Dead After Fiery Head-On Vehicle Freeway Collision
2 Dead After Fiery Motorcycle-Vehicle Collision in Santa Ana
Accident with state park vehicle kills a pedestrian in Newport Beach
"Wipeout" gameshow contestant dies after completing the obstacle course
Injuries result from truck rollover accident
How to Play it Safe Over the Holidays
Fatal Motorcycle Accident in Santa Ana
The Critical Components To Proving Your Slip And Fall Accident Wasn’t Your Fault
Driver runs red light, kills driver, and flees the scene
ARE YOU REALLY FULLY COVERED?
Multi-Car Crash leaves four injured
Making Construction Sites Safer Workplaces
Were you or someone you know seriously injured in a trucking accident?
Crash with Pedestrian turns fatal
Street Race Results in Wrecked Car
Motorcycle accident leaves man in critical condition
Crash on 5 Freeway kill one pedestrian in Anaheim
Crash in Southern California Results in Death of Off-Duty Police Officer
Traut Firm - Deadly Big Rig Crash - Anaheim - Commercial Truck Accident
Suspected DUI Driver Arrested After Fatal Crash In Santa Ana
Flight attendant sues employer after being fired - Traut
Law Firm Slapped With Malpractice Suit
Pedestrian killed near Irvine Valley College by Hit & Run Driver
Suspected Drunk Driver Runs Red Light and Kills Man crossing the Street in Anaheim
1 Ejected and Killed After Collision on 405 Freeway in Costa Mesa
Passengers Ejected Out Of Vehicle in Suspected DUI
What is a wrongful death lawsuit after a car accident?
Actor Dies After Being Hit By Metrolink Train
THAT CAR JUST HIT ME
Injury to a woman and her 12-year-old boy after their SUV strikes a large rock
Rollover crash on 60 freeway in boyle heights results in 2 dead
18-year-old Worker Killed in Workplace Accident - Santa Ana
Car collides into semi-truck resulting in one death and one injury - downtown LA
Grandmother Dead After Hit And Run In Orange
Multiple Vehicle Collision in Jurupa Valley - 4 Dead, 1 Injured
Pedestrian collision leaves victim dead - South L.A.

Call Now Button