Overview
About this firm
What Is Uninsured/Underinsured Motorist Coverage? Uninsured/underinsured motorist coverage—often called UM/UIM—is a key part of many California auto insurance policies. It protects you when you’re injured in a crash caused by a driver who either has no insurance or not enough insurance to pay for your damages. In busy areas like Southern California, where uninsured and low-coverage drivers are common, UM/UIM coverage can be the difference between getting stuck with the costs and having a realistic path to recovery. This coverage can also apply in hit-and-run accidents, when the at-fault driver cannot be identified. In those situations, UM coverage may help pay for medical expenses, lost income, and other crash-related losses when there’s no insurance company on the other side to pursue. UM/UIM claims can be confusing, and insurance companies often treat them differently than a standard third-party claim—even though you’ve been paying premiums for this protection. At OCLA Law, we help clients understand their UM/UIM benefits, document their injuries, and pursue the compensation they’re entitled to under their own policy. If you were injured and have questions about a UM/UIM claim in California, contact OCLA Law for a free consultation. No fees unless we win.
