Uninsured Motorist (UM/UIM) Claims

Most people in California don’t have the right insurance coverage and don’t even know it. While you might think you are protected because you have "full coverage," that phrase is often a misnomer. "Full coverage" generally only refers to your own liability and damage to your vehicle; it does not pay you for medical bills or the trauma of an accident.

To truly protect yourself and your family from irresponsible people on the road, the most important number on your policy is the limit of your Uninsured (UM) or Underinsured (UIM) Motorist coverage.

UM/UIM coverage is an optional protection you purchase on your own policy that acts as a safety net when the person who hit you is financially irresponsible. 

• Uninsured Motorist (UM): If you are struck by a driver with no insurance, or if you are the victim of a hit-and-run, your own UM policy steps in to pay for your medical bills and pain.
• Underinsured Motorist (UIM): If you are injured by someone with lower liability limits than your UIM policy, you can make a demand for your own coverage to kick in additional funds on top of the at-fault party’s limits.

When you make a UM or UIM claim, your own insurance company effectively becomes your adversary. Even though you have paid your premiums for years, they will often take an aggressive approach—denying liability or offering a "quick settlement" before you know the true extent of your injuries.

 Don't fight the insurance giants alone. At Taylor Law Firm, we handle UM/UIM claims with the same "white-glove" precision we apply to every case.

• Direct Attorney Access: You deal directly with the attorney working on your case, not an assistant or a case manager.
• Maximized Net Recovery: Our goal is to put the most money in your pocket. We promise that our attorney’s fees will never exceed the client’s net recovery*.
• Transparent Fees: We offer elite representation at a smarter price, starting at 25% pre-litigation.

Before you get into an accident, check your limits. If you’ve already been hit by an uninsured driver, call the Taylors. We provide the elite, trial-ready representation you deserve at a price that makes sense for your bottom line.

*Net Recovery Guarantee: Attorney’s fees will be calculated as a percentage of the gross recovery. However, Taylor Law Firm guarantees that total Attorney’s Fees will never exceed the 'Client’s Net Recovery' (the amount the client receives after all Attorney’s Fees, litigation costs and medical liens/reimbursements have been paid). If the calculated fee would result in the attorney receiving more than the client, the fee will be voluntarily reduced to ensure the client receives more of the settlement than the attorney.