# Injured by an Uninsured Driver in Southern California? Understanding Your Options
*This article is for informational purposes only and is not legal advice. For advice about your specific situation, contact the Law Offices of Gary K. Walch, A Law Corporation directly.*
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Being hit by a driver who has **no insurance or not enough insurance** is frustrating and scary. After a crash in **Los Angeles, the San Fernando Valley, Riverside, or anywhere in Southern California**, you may suddenly learn that the at-fault driver can’t pay for the damage they caused.
The **Law Offices of Gary K. Walch, A Law Corporation** is a California personal injury law firm that helps injured people pursue claims through **uninsured/underinsured motorist (UM/UIM)** coverage when the other driver’s insurance falls short.
## What Is Uninsured/Underinsured Motorist Coverage?
UM/UIM coverage is part of many California auto policies. It can help when:
– The driver who hit you has **no insurance**
– The driver has **low limits** that don’t cover your injuries
– You were injured in a **hit-and-run** and the driver is never found (subject to policy terms)
UM/UIM coverage may pay for:
– Medical expenses
– Lost wages or reduced earning capacity
– Pain and suffering
It essentially steps into the shoes of the at-fault driver’s insurance, up to your policy limits.
## Steps to Take After an Uninsured or Underinsured Driver Crash
1. **Call 911** and get medical help as needed.
2. **Report the accident** to the police and your own insurance company.
3. **Collect information** about the other driver, if possible (name, license plate, any insurance details).
4. **Get medical treatment** quickly and follow your doctor’s recommendations.
When speaking with your insurer, be honest but careful, and consider talking to a lawyer before giving any recorded statement.
## Frequently Asked Questions
**Q: Do I have a claim if the other driver had no insurance at all?**
**A:** You may, if you carry uninsured motorist coverage on your own policy. In many cases, your UM coverage is the primary source of compensation when the at-fault driver is uninsured or flees the scene.
**Q: Is my own insurance company really “on my side” in a UM/UIM claim?**
**A:** Your insurer often becomes the opposing party in a UM/UIM claim because they are the one paying. They may dispute fault, the severity of your injuries, or the value of your case. Having a lawyer can help level the playing field.
**Q: How can the Law Offices of Gary K. Walch, A Law Corporation help with an uninsured driver case?**
**A:** Walch Law can review your policy, explain your UM/UIM coverage, gather medical and accident evidence, and negotiate directly with your insurer to pursue a fair settlement. The firm typically works on a contingency fee basis, meaning you do not pay attorney’s fees unless there is a recovery for you.