Uninsured Motorist Accidents


Serving all of Orange County Including Riverside, Santa Ana and Anaheim

California requires all motorists to carry car insurance, however, the amount of car insurance is up to the driver. Unfortunately, California’s minimum required policy is $15,000.00. If you were struck by a negligent motorist, incurred medical bills, lost wages and endured tremendous pain and suffering the minimum policy in California will most likely not be able to protect you. Fortunately, California drivers can purchase UnderInsured Motorist Coverage (UIM) and Uninsured Motorist Coverage (UM)under their existing policy. In California, UM and UIM is an absolute must.

UIM coverage allows the injured party to recover the difference of what they would have received had the negligent party had an adequate insurance policy at the time of the accident. UM coverage kicks in when at-fault driver did not carry insurance at the time of the accident.

In California, there are many drivers that have no vehicle insurance and carry the lowest minimum policy. Until California laws change regarding our minimum liability coverage in the state, all drivers should carry UIM and UM coverage. Often clients are confused whether or not they actually carry UM or UIM under their policy. Simply having full coverage insurance does not necessarily mean you have UM/UIM. It’s important to call your insurance carrier and specifically request this coverage under your existing motorist policy. If possible, we recommend carrying the highest UM/UIM coverage to protect yourself in our busy streets and freeways in California.

Important Information relating to UM / UIM coverage in California:

  • Call your Insurance carrier and specifically request to add UM/UIM coverage if you do not have it
  • UM coverage is vast and does not only apply to motorist coverage. It will also cover you if you were injured by an uninsured motorist in a crosswalk or on a bicycle.
  • UM/UIM coverage also applies not only protects you it will also protect all members of the insured’s household.
  • UM / UIM coverage only applies if you were not at fault for the accident.
  • Get the maximum coverage possible for UM / UIM as many motorists in California drive with the minimum policy or no insurance at all.

The nuances are vast and only experienced lawyers know how to deal with UM/UIM policies. Our law firm represented clients from prior attorneys who have stalled their UM/UIM claim not knowing that an arbitration claim could resolve their situation in as little as 2 to 3 months. UM/ UIM claims are much different than your typical third-party liability claim. Experience matters. Call Sky Law Group, APC today for a free, no obligation, consultation.


UM/ UIM coverage in California is not only a must so is having an experienced attorney that can recover the most compensation on your behalf by opening a UM/UIM claim when injured. Most people don’t understand the complexities of utilizing UM/UIM coverage after an accident. At Sky Law Group, APC our attorneys specialize in personal injury claims and have helped our clients recover the maximum amount of UM/UIM coverage for bodily injury claims.

Call 1-844-4SKY-LAW today for a free, no obligation, consultation. If you can not come to us, we will come to you. Call now!