Underinsured Motorist Lawyer in Los Angeles
The other driver HAD insurance, but not enough to cover your injuries. Now your own insurer has to cover the gap.
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Underinsured motorist claims are not the same as uninsured claims. In an underinsured case, the at-fault driver had insurance, but the policy limits are too low to cover your medical bills, lost income, pain, and future care.
The claim usually starts after the at-fault driver's liability limits are confirmed or paid. Then your own UIM coverage may pay the gap between those limits and the real value of your injuries. That makes your own insurer responsible for money it does not want to pay.
David Lederer and John Nojima used to defend insurers in coverage disputes. We know how carriers value UIM claims, how they delay payment, and how to prove that your damages exceed the at-fault driver's limits.
UM vs UIM
Uninsured = driver had no insurance. Underinsured = driver had insurance but limits were too low for your damages.
Former Insurance Defense
David Lederer and John Nojima used to defend insurers. Now they use that knowledge to pressure carriers that try to delay, discount, or deny injury claims.
No Fee Unless We Win
You pay no upfront fee. Our fee comes from the recovery, and if we do not win, you owe us nothing.
Free Consultation 24/7
Call any time after an injury. We can protect evidence, deal with insurers, and explain your next move before deadlines pass.
What We Look For Right Away
The at-fault driver's limits
We confirm the liability policy, demand the limits, and document why those limits do not cover the full loss.
Your own UIM coverage
We review your declarations page and policy language to identify the benefits that may pay the gap after the at-fault driver's limits are exhausted.
Consent to settle
UIM claims often require notice to your own insurer before settling with the at-fault driver. We protect that process.
Bad faith risk
If your own insurer delays or lowballs a valid UIM claim, we evaluate whether a bad faith claim should be pursued.
Frequently Asked Questions
What is underinsured motorist coverage?
How is underinsured different from uninsured?
Can my own insurer fight my UIM claim?
Should I accept the at-fault driver's policy limits?
What does it cost to hire Lederer & Nojima?
Related Practice Areas
Lederer & Nojima, LLP
12100 Wilshire Boulevard, Suite 480, Los Angeles, CA 90025
(310) 312-1860
Results may vary. Every case is unique. This page is general information, not legal advice.
Driver had too little insurance? Call Lederer & Nojima today.
Former insurance defense attorneys. No fee unless we win.