While California law requires you to carry insurance, many drivers don’t — some can’t afford it, others just choose not to carry auto insurance. That’s why it can get complicated, and stressful, when such claims arise.

If the at-fault driver doesn’t have car insurance, that poses a hurdle to you as the driver. You should carry uninsured motorist benefits, so that you can still recover damages directly from your insurer instead of filing a claim with a third party.

As a victim, you have the right to bring an Uninsured Motorist (UM) claim with your own insurance carrier. That’s where we help — insurance policies are complex, and dealing with insurance companies is difficult. Your own insurance company also often tries to give you as little compensation as possible.

Underinsured Motorist claims are similar to UM coverage, but it can be applicable even if the other at-fault driver has auto insurance. The minimum required insurance is $15,000 per person, according to California law. If you are injured by a driver with insurance coverage less than the full value of your claim, then you can bring an Underinsured Motorist claim with your own company.

If this sounds complicated, don’t worry. We have got you covered.