California Personal Injury Lawyers Blog
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.
If you’re a passenger in a car and a driver with no or too little insurance causes a crash in Los Angeles or Southern California, you may still have options—often through uninsured/underinsured motorist (UM/UIM) coverage on the vehicle you were riding in or on your own policy.
The Law Offices of Gary K. Walch, A Law Corporation is a California personal injury law firm that helps injured passengers and family members pursue UM/UIM claims.
Who Can Use UM/UIM Coverage?
Depending on the policy, UM/UIM may cover:
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The driver of the insured vehicle
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Passengers in the vehicle
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Sometimes household family members, even if they were in another car or were pedestrians or cyclists
Each policy is different, so it’s important to review the actual language.
Common Passenger Injury Situations
UM/UIM coverage may apply when:
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The at-fault driver has no insurance
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The at-fault driver has low limits that don’t cover your injuries
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You’re hurt in a hit-and-run and the other driver is never found
Passengers are rarely at fault, but insurers may still dispute the extent of their injuries or damages.
Frequently Asked Questions
Q: Can I make a UM/UIM claim under my family member’s policy if I was riding with them?
A: Often yes, but it depends on the policy language. An attorney can review the policy and explain your rights as a passenger or resident family member.
Q: What if my own insurer is the one I have to claim against?
A: In UM/UIM claims, your insurer essentially steps into the shoes of the at-fault driver’s insurer and may fight your claim. A lawyer can help level the playing field.
Q: How does the Law Offices of Gary K. Walch, A Law Corporation assist with UM/UIM passenger claims?
A: Walch Law can review all available policies, gather medical and accident evidence, and negotiate with the insurer to seek a fair resolution for injured passengers and family members.