Personal Injury

Underinsured & Uninsured Claims

When the at-fault driver has little or no insurance, your own policy may be the source of recovery. Getting that benefit paid in full is harder than it should be.

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How Krankemann Law helps with UM/UIM claims

We assess your coverage, value your full losses, and pursue the uninsured or underinsured motorist benefit under your own policy. Even though it is your insurer, these claims can be resisted just like any other, and the process has its own rules and deadlines. We handle that so you receive what your coverage promises.

How this coverage works

Uninsured motorist coverage applies when the at-fault driver has no insurance, including in many hit-and-run situations, while underinsured coverage fills the gap when the other driver's limits are too low to cover your losses. California drivers often carry this coverage without realizing how it works. It can be the difference between a partial and a full recovery.

What we handle

  • Crashes with uninsured drivers
  • Crashes with underinsured drivers
  • Hit-and-run collisions
  • Gaps between the other driver's limits and your losses
  • Disputes with your own insurer over UM/UIM benefits
  • Stacking and coverage questions

FAQ

Underinsured Claims — Common Questions

The other driver had no insurance. Am I out of luck?
Not necessarily. If you carry uninsured motorist coverage, your own policy may cover your losses, and this coverage often applies in hit-and-run situations as well. Many drivers have it without realizing it. We can review your policy and pursue the benefit.
What is the difference between uninsured and underinsured coverage?
Uninsured motorist coverage applies when the at-fault driver has no insurance, while underinsured coverage applies when that driver has some insurance but not enough to cover your losses. Both come from your own policy. Which applies depends on the other driver's coverage and your damages.
Will my own insurer just pay the claim?
Not always. Even though it is your insurer, a UM or UIM claim can be disputed, delayed, or undervalued like any other, and these claims have their own procedural rules and deadlines. Having counsel helps hold the insurer to the policy. We manage the process for you.
Are there special deadlines for these claims?
Yes. UM and UIM claims often involve contractual deadlines and notice requirements that differ from a standard injury lawsuit, and missing them can jeopardize the benefit. Because the rules are specific, it is best to act early. We can confirm the deadlines that apply to your policy.

Free, Confidential Consultation

Talk to a Krankemann attorney about your personal injury matter.

A free, confidential consultation costs nothing and tells you exactly where you stand.

Call (707) 524-2200 Request a Consultation