UM coverage is part of your own auto policy that pays when the at-fault driver has no insurance.
- ✓Covers your injuries
- ✓May cover lost wages
- ✓Includes pain and suffering
- ✓Available even if you're a passenger
- ✓Works in hit-and-run cases
Free Consultation Available 24/7
Uninsured Motorist Claim After Car Accident — Know Your Options
Being hit by an uninsured driver doesn't mean you're without recourse. Your own uninsured motorist (UM) coverage may provide the compensation you need. We help victims navigate these claims effectively.
📅Updated: January 30, 2026
⭐4.9/5 Client Rating
✓$100M+ Recovered
🏆No Win, No Fee Guarantee
⏰24/7 Available
Fighting Your Own Insurance Company
Unfortunately, your own insurance company may still try to minimize your UM claim. We advocate aggressively on your behalf.
Frequently Asked Questions
Do I have uninsured motorist coverage?
Check your policy or declarations page. UM coverage is required in some states and optional in others.
Will filing a UM claim raise my rates?
Laws vary by state, but UM claims generally should not raise rates since you weren't at fault.
Related Resources
→
Proving Fault in California Car Accidents: Evidence Guide
Learn how to prove fault in California car accidents with our comprehensive evidence guide. Get expert legal help to maximize your claim. Free consultation.
car accidents→
Fatigued Driving Accidents in California: Legal Rights
Injured by a drowsy driver in California? Learn your legal rights, compensation options, and how to prove fault. Free consultation with expert attorneys.
car accidents→
Airbag Failure Car Accidents in California: Legal Rights
Airbag didn't deploy in your California car accident? Learn your legal rights, who's liable, and how to maximize compensation. Free consultation.
car accidents→
Spinal Cord Injury Medications & Treatment Costs CA 2026
Guide to SCI medications, costs, and legal claims in California. Learn how medication expenses impact your settlement. Free consultation.
spinal cord injury→
Retrograde Amnesia After Brain Injury - CA Legal Rights
Lost memories before your accident? Learn about retrograde amnesia after brain injury and how to recover compensation in California. Free consultation.
brain injury→
Spinal Cord Injury Levels C1-S5: Impact & Legal Rights CA
Learn how spinal cord injury levels C1-S5 affect daily function and compensation. California SCI lawyer explains your legal rights. Free consultation.
spinal cord injuryExplore Related Topics
Why Choose Hurt Advice?
💰
No Upfront Costs
We only get paid when you win your case
⚖️
Proven Results
Over $100 million recovered for our clients
🏆
Award-Winning Team
Recognized as top attorneys in the state
📞
24/7 Availability
We're here when you need us most
Don't Wait to Get the Help You Deserve
Every day you wait could affect your case. Contact us now for a free, no-obligation consultation.