ATTENTION: Law Offices of Samer Habbas & Associates is fully-operational during the COVID-19 global pandemic. We continue to handle cases and operate business as usual, in accordance with mandated safety guidelines.

X

TAGS

Abuse Accident Accident attorney Accident attorneys accident injury Accident Tax accidents Amusement Park Accident attorney Auto Accident Auto Accidents auto insurance Auto Recalls Auto Settlement Automobile Accident bicycle accident bicycle accident attorneys Bicycle Accident Lawyer Bicycle Accidents Boat Accidents Brain Injuries Brain Injury brain injury accident brain injury attorney breaking Burn Injury Burn Injury Claim Bus Accident Cab Accident Car Accident car accident attorney car accident attorneys car accident injury Car Accident Lawyer car accidents Car Insurance Car Insurance Policies Case Results Catastrophic Injuries Class Action Lawsuit Clergy abuse Complex Regional Pain Syndrome Consortium Consortium Attorney Construction Accident construction accident attorney Construction Injury Corona Cross-Examination CRPS injury attorney Dangers of Riding Your Bike death Defective drugs Defective Product delayed accident injury Dental Malpractice Deposition Dog bite Dog Bite Injury Cases in California Dog Injuries Drug Recall Drug Recalls DUI DUI accident Elder Abuse Elder Neglect emotional distress Eviction Excessive Force FDA Funeral Home Funeral Home abuse Funeral Home Neglect Habbaspersonalinjury Habbaspilaw Head Injury Head-on Collision Hit and Run Hydroxycut Independent Medical Claim Injury injury accident Injury Attorney injury lawyer Insurance Insurance Claim Insurance Company Insurance Policy Irvine law law firm Lawsuit Lawsuits lawyers Legal Malpractice Los Angeles Los Angeles bicycle accident attorneys Los Angeles Bicycle Accident Lawyer Los Angeles car accident attorney Los Angeles soft tissue injury Malpractice Medical Claim Medical Malpractice Medical Opinions Motorcycle Accident motorcycle accident attorney Multi-Million Dollar Advocates Forum Negligence Negligence Attorney Negligent Accident news News & Information news release Nursing Home Abuse Nursing Home Negligence nusring home abuse lawyer Orange County Orange County soft tissue injury Pedestrian Accident Pedestrian Accidents Pedestrian Death Pedestrian Injuries Personal Injury personal injury and accidents Personal Injury Attorney personal injury claim personal injury claims personal injury law firm personal injury lawsuit personal injury lawyer personal injury litigation Personal Injury Settlement Pharmaceutical Litigation Pharmaceuticals pills Police Brutality Premises Liability Product Liability Product Recalls Property Damage Recognitions Riverside Rollover Accidents Safe transport Settlements Sexual Abuse side effects Sidewalk Accident sleep sleepingaid sleepingpills Slip & Fall Slip and Fall slip and fall accident slip and fall accident attorney slip and fall accident causes smoke inhalation smoke inhalation injury soft tissue injury Spinal Cord Spinal Cord Injury Statute of Limitations Swine Flu Taxi Accident Technology Advancement Testimonials Tour Bus Toyota Recall Train Accidents Traumatic Brain Injury truck accident truck accident attorney truck accident claims truck accident lawyer Truck Accidents types of car accident UIM & UM Insurance Coverage Van Rollover Video Deposition Vioxx warning Wokers Comp Claims Work Injury Worngful Death Wrongful Death wrongful death attorney

What Is UIM & UM Insurance Coverage?

If you were seriously injured in a car accident caused by another driver who has little or no car insurance, you could be stuck without a way of getting compensation for your injuries – unless you have underinsured (UIM) coverage or uninsured (UM) coverage. These two types of insurance coverage’s allow you to get compensated from your own insurance company, up to the limits you have purchased.Motor Vehicle Accident

However, just because you have UM or UIM coverage, it does not mean that it will be easy to collect from your insurance company. In fact, in most cases it is more difficult and frustrating to get full compensation from your own insurance than the insurance company of the at-fault driver.

California Underinsured and Uninsured Drivers

California car accidents can result in serious injuries with thousands of dollars in medical bills. Although your best option is to file a claim against the party who caused the accident, it may not always be a means to the end. In some cases, the at-fault driver may not have adequate insurance coverage to compensate you for your injuries.

California requires motorists to have a minimum coverage of $15,000 in liability for bodily injury or death of one person and $30,000 for more than one person. In some cases, the driver who hit you may have no insurance at all, even though California law requires all drivers to be insured.

Using Your Own UIM/UM Insurance Coverage

If you find yourself injured in an accident with an at-fault driver who has little or no insurance coverage, you will need to find an alternative source for compensation. This is when your UIM or UM insurance comes into play. It is important to note that this coverage is optional. This means that you have to specifically ask to purchase this coverage as part of your policy.

If you have purchased UM or UIM coverage from your own insurance company, you can use it to pay monetary compensation if you are hit by a driver with no insurance or a small policy that will not cover your costs relating from the accident.

Call an Orange County Car Accident Attorney Today!

The legal team at the Law Offices of Samer Habbas is dedicated to helping our injured car accident clients reach the best monetary settlement when they are involved in any type of accidents.

If you or a loved one has been involved in a motor vehicle accident and seriously injured, our experienced Orange County car accident attorneys are available to personally review your case. Call us at 1-888-848-5048 to schedule a free, complimentary consultation with our legal team today.

FREE CASE EVALUATION

  • This field is for validation purposes and should be left unchanged.

Our firm is well experienced in injury matters and we understand the difficult time you are going through. We will guide you through the process and fight for you and your family to get the compensation you deserve.

Samer Habbas