Uninsured/Underinsured Motorist Attorney in Northern California
Being injured by a driver who has no insurance or not enough insurance to cover your damages is a frustrating and frightening situation. But it does not mean you are out of options. Many drivers carry uninsured motorist (UM) and underinsured motorist (UIM) coverage on their own policies without even realizing it, and these provisions can provide significant compensation.
When These Claims Apply
Uninsured and underinsured motorist claims arise in several common scenarios. The at-fault driver has no insurance at all. A hit-and-run driver cannot be identified. The at-fault driver's insurance policy limits are too low to cover the full extent of your injuries and damages. In each of these situations, your own auto insurance policy may provide coverage through UM/UIM provisions. California law requires insurers to offer UM/UIM coverage, and many drivers have it on their policies without being aware of its full value.
How We Pursue Recovery
Our approach to these cases is methodical. First, we pursue every dollar available from the at-fault driver's policy, if they have one. Then we conduct a thorough review of your own insurance policies, including any umbrella or excess coverage, to identify all available UM/UIM benefits. Many clients are surprised to learn they have protective coverage they were completely unaware of. We then file the appropriate claims with your own insurer and negotiate or litigate to secure the full amount you are owed. Just because it is your own insurance company does not mean they will treat you fairly. We hold them to their obligations.
Fighting Denials
Insurance companies frequently deny or undervalue UM/UIM claims, sometimes using technicalities or questionable interpretations of policy language. We have extensive experience challenging these denials and forcing insurers to honor their coverage obligations. Whether it requires negotiation, arbitration, or litigation, we pursue every available avenue to make sure our clients receive the compensation their policies entitle them to. These cases can be hard-fought, but we have a strong track record of overcoming initial denials and securing fair outcomes for our clients.
Results in Uninsured/Underinsured Cases
$385,000
Highway 49 Rear-End
Uninsured driver with an initially denied UIM claim that was overturned.
$300,000
Underinsured Motorist
Two-year battle with a pre-trial reversal that secured recovery.
What Our Clients Say
"Jordan of Maurer Law Corporation and his office staff helped us navigate an unknown situation in what turned out to be an incredible relationship. His professional demeanor infused with true empathy and kindness made a difficult time much more manageable."
Our Offices
We handle uninsured and underinsured motorist claims from four offices across Northern California.
Hit by an Uninsured Driver?
Free consultation. You may have coverage you don't even know about.