The driver who hit you had no insurance. Now your own insurance company is treating you like the enemy. Former insurance defense attorneys at Lederer & Nojima know how to force your insurer to pay what you are owed.
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Uninsured motorist claims are different from liability claims. When you file a UM claim, you are claiming against your own insurance policy. Your insurer becomes the adversary. They will investigate your claim the same way they would investigate a liability claim from a stranger. They will dispute causation, send you to their own doctors, and offer lowball settlements. Most people assume their own insurer will treat them fairly. They do not.
David Lederer and John Nojima are former corporate insurance defense attorneys. They defended UM claims for years. They know the tactics insurers use to deny or reduce these claims. They know how to prove that the uninsured driver was at fault, that your injuries were caused by the accident, and that your damages exceed the initial offer. They know when an insurer is acting in bad faith and how to file a lawsuit when negotiation fails.
California requires all auto policies to include UM coverage unless you waived it in writing. Most people do not waive it. If the at-fault driver had no insurance at all, your UM policy may cover your medical bills, lost wages, pain and suffering, and future damages. If the driver had insurance but not enough, that is a separate underinsured motorist claim with different policy steps. The insurer will not explain the difference clearly. We will.
David Lederer and John Nojima defended insurers for years before switching sides. They know every strategy the adjuster will use to reduce your settlement.
Zero upfront cost. We work on contingency, our fee comes from your recovery. If we do not win, you pay nothing.
Call any time. We respond to urgent matters around the clock and take over all insurer communication the day you hire us.
These are tactics we used when we defended UM claims. Now we expose them.
You have paid premiums for years. When you finally need UM coverage, your insurer treats you like an adversary. They offer the minimum they think you will accept. They hope you do not know the full value of your claim. We calculate what your claim is actually worth and demand it.
In a UM claim, your insurer defends the uninsured driver's interests because they do not want to pay. They will argue you were comparatively at fault or that the other driver did nothing wrong. We prove fault with police reports, witness statements, and accident reconstruction when necessary.
California law allows stacking of UM coverage in some cases. If you have multiple vehicles on your policy or household members with separate policies, you may be entitled to coverage beyond the limits on a single policy. Insurers will not volunteer this information. We identify all available coverage.
Most UM policies include an arbitration clause. Insurers prefer arbitration because it is faster and limits your recovery in some cases. If the insurer acts in bad faith, you can file a lawsuit for breach of contract and bad faith even if the policy requires arbitration. We know when to arbitrate and when to litigate.
We review your auto insurance policy to identify all available UM and UIM coverage. We file the claim with your insurer and send a demand package that anticipates every defense argument they will raise. We document your injuries with your treating physicians and calculate your full damages including future medical costs and lost earning capacity. We negotiate aggressively because we know how insurers think.
If your insurer denies the claim or offers an unreasonably low settlement, we escalate to arbitration or file a lawsuit for breach of contract and bad faith. Bad faith cases allow recovery of attorney fees and punitive damages in addition to policy benefits. Insurers fear bad faith exposure. That fear affects every negotiation.
Lederer & Nojima, LLP is located at 12100 Wilshire Boulevard, Suite 480, Los Angeles, CA 90025. Call (310) 312-1860 for a free consultation. No fee unless we win.
Results may vary. Every case is unique. This page is for informational purposes and does not constitute legal advice. Contact Lederer & Nojima, LLP at 12100 Wilshire Boulevard, Suite 480, Los Angeles, CA 90025 or call (310) 312-1860.
No fee unless we win. Former insurance defense attorneys on your side.
Available 24/7 · No fee unless we win · (310) 312-1860