What is UM/UIM Coverage?

2013 June 25

UM/UIM coverage is insurance coverage you carry to protect yourself and your family against uninsured or underinsured motorists. Most drivers in California who have insurance also have UM/UIM coverage.
If you file a UM or UIM claim, it means that you, as the claimant, file a claim against your own insurance company. However, your insurance company then steps into the shoes of the other driver’s insurance company and defends the driver at fault. There are many ways your insurance company can avoid paying you the compensation you deserve. To protect your rights, you should consult an experienced lawyer as soon as possible.

When you present an uninsured or underinsured motorist claim to your own insurance company, they have an obligation, both contractually and statutorily, to be fair, just, and reasonable in responding to your claim. If your insurance company is not fair, just or reasonable, EZER LAW GROUP can pursue what is called a “bad faith” claim against your insurance company.

Free Attorney Consultation

If you have been injured by an uninsured or underinsured driver, call California personal injury lawyer Jonathan Bae at 408-244-3322 for an immediate consultation with no-obligation.