If a driver with no insurance or too little insurance hurt you, an uninsured motorist accident lawyer in Los Angeles can pursue the uninsured/underinsured motorist coverage on your own auto policy. Moe Abdallah Law, P.C. handles the whole claim against your insurer, and you pay nothing unless we win.
If an uninsured or underinsured driver hurt you, an uninsured motorist accident lawyer in Los Angeles can pursue the coverage sitting on your own auto policy to make you whole. That is what Moe Abdallah Law, P.C. does. Roughly one in six California drivers carries no insurance, so this happens far more than people expect. The frustrating part is that your own insurer often acts like the adversary once you file, digging for reasons to pay less. We handle the whole claim for you, gather the proof, push back on the lowball tactics, and stand between you and that pressure. You pay us nothing unless we win.
Uninsured motorist (UM) coverage on your own policy pays for your injuries when the at-fault driver has no insurance at all. Underinsured motorist (UIM) coverage steps in when the other driver does have insurance, but not enough to cover what you lost. Say the driver who hit you carries only a $15,000 minimum policy and your damages run to $100,000. Your UIM coverage can fill the gap between their low limit and your higher UM limit, up to the amount you bought. UM also covers hit-and-run crashes, so if the driver fled and was never found, you may still recover through your own policy. California law requires insurers to offer you UM/UIM coverage, though you can waive it in writing under Insurance Code section 11580.2. If you never signed a waiver, you likely have this coverage even if you forgot you bought it. We pull your policy, read the limits, and figure out exactly what protection you have.
People assume a UM claim is easy because it is their own company. It is not. Once you file, your insurer switches sides and starts acting like the opposing party. It questions how hurt you are, argues your injuries came from something else, disputes who was at fault, and offers far less than the claim is worth. Many UM policies also require the dispute to go to arbitration instead of a jury trial, which has its own rules and deadlines. We know how these clauses work, and we build the medical and liability evidence the same way we would against any at-fault carrier. When your insurer sees you are represented and ready for arbitration, it takes the claim seriously.
Call 911 and get checked out even if you feel "okay." Adrenaline hides injuries, and a gap in treatment is the first thing your insurer uses to shrink a UM claim.
Get a police report, especially for a hit-and-run, since your own policy often requires prompt reporting. Photograph the vehicles, the scene, and your injuries, and get any witness names and numbers.
You must tell your own company about the crash, but do not give a recorded statement or accept an offer first. Call us and we handle the conversation. The consultation is free.
The moment you file a uninsured motorist claim, your insurer stops being your friend and starts protecting its own money. It calls sounding helpful, asks for a recorded statement, and requests a broad medical authorization so it can comb your history for a pre-existing condition. It floats a fast, low offer while you are still hurting, claims you were partly at fault, or argues your injuries are not as bad as you say. On hit-and-run claims it may demand proof the phantom driver existed. We shut those tactics down. We handle every call so you never have to, we build the medical and liability evidence into a demand your insurer cannot lowball, and we prepare each case for arbitration or trial. That readiness is exactly why insurers pay represented clients more.
California gives you two years from the date of the crash to file a personal-injury lawsuit (California Code of Civil Procedure § 335.1), but your own policy may set a shorter deadline to demand uninsured-motorist arbitration, so read it early. California requires insurers to offer UM/UIM coverage, and you keep it unless you waived it in writing (Insurance Code § 11580.2). California also follows pure comparative negligence: you can recover even if you were partly at fault, with your award reduced by your percentage of fault (Li v. Yellow Cab Co.). Insurers exploit these rules to run out your clock and inflate your share of blame, which is why it pays to talk to a lawyer early.
You work directly with Attorney Moe Abdallah, who takes your case personally, fights the insurance company, and keeps you posted by call and text at every step.
You pay nothing upfront and nothing at all unless we recover for you. The consultation is always free.
We build every case for arbitration or trial: a thorough investigation, the right experts, and hard negotiation that gets results.
Nothing upfront. We work on a contingency fee, so our fee comes only from the compensation we recover for you. If we don't win, you owe us nothing. The consultation is always free.
You generally have two years from the crash to file a lawsuit under California Code of Civil Procedure § 335.1. But your own policy can set a shorter deadline to demand uninsured-motorist arbitration, sometimes far sooner. Call as soon as you can so we can read your policy and protect your rights.
You likely are, if you carry uninsured motorist coverage. California requires insurers to offer it, and you keep it unless you signed a written waiver. Your UM coverage pays for your injuries when the at-fault driver has none. Send us your policy and we'll confirm what you have.
That's what underinsured motorist coverage is for. If the at-fault driver's limits are too low to cover your losses, your UIM coverage fills the gap between their limit and your higher UM limit. We pursue the at-fault policy first, then your UIM for the rest.
You can try, but remember your own insurer becomes the opposing party the moment you file, and it protects its money the same way any carrier does. A lawyer usually puts more money in your pocket even after fees, because we know what the claim is worth and how to prove it. Not sure? Call us and we'll tell you straight, free.
Be careful. Your policy requires you to cooperate, but a recorded statement is still used to twist your words and shrink your claim. You don't have to sit for one alone. Call us first and let us handle the conversation for you.
Usually not, at least not before your treatment is done. Once you accept, you cannot reopen the claim, and a fast offer on a UM claim is almost always less than your injuries are worth. Let us review the offer for free before you sign anything.
Your uninsured motorist coverage generally treats a phantom driver like an uninsured one, so you may still recover through your own policy. Prompt reporting and a police report matter here, so call us quickly and we'll help you meet your policy's requirements.
If you weren't at fault, using your uninsured-motorist coverage generally shouldn't raise your rates in California. Rate hikes are tied to your own fault, not to being the victim of someone else's crash. If you're worried about it, ask us and we'll explain how it applies to you.
Many uninsured motorist policies require disputes to go to arbitration instead of a jury trial. It's a private hearing with its own rules and deadlines. We handle the arbitration process for you and prepare your case just as thoroughly as we would for court.
Yes. Adrenaline masks pain right after a wreck, and injuries like whiplash or a concussion can show up days later. A gap between the crash and treatment is the number one thing insurers use to deny a claim, so get checked out and keep every record. Then call us.
You can still recover. California follows pure comparative negligence, so your compensation is reduced by your percentage of fault rather than barred entirely. Your insurer will overstate your share to pay less, and we push back with evidence.
Authoritative resources: California Courts, self-help for injury claims · Cal. Code Civ. Proc. § 335.1, 2-year deadline · California DMV · California Office of Traffic Safety, crash data
When you call Moe Abdallah Law, you work directly with your attorney and get straight answers, not a call center. Moe takes on the insurance companies and fights for the maximum, and he keeps you updated at every step. The consultation is free and you pay nothing unless he wins.
Real recoveries from an attorney who takes your case personally and fights for the maximum.
Rear-ended by a driver who fled with no police report, and other firms turned her down. Moe opened an uninsured-motorist claim, proved she could not have been at fault, and secured the full policy limit.
Broke his sternum and had no insurance of his own, and his prior attorney ignored him. Moe took his calls day and night and recovered a settlement that covered his hospital bills and future treatment.
The at-fault insurer offered just $900 for a back injury on top of pre-existing problems. Moe guided his treatment, tendered the at-fault limit, then opened an underinsured-motorist claim to reach $75,000 total.
Past results do not guarantee a similar outcome. Every case is different and depends on its own facts.
Attorney Moe represented me with nothing but care and diligence during my case, he got me the results that I needed while I was going through a hard time.
Attorney Moe was attentive to all my concerns and issues. He walked me through the entire process of my case and made things easy to understand. I cannot recommend him enough!
I would definitely recommend this firm to anyone looking for reliable legal guidance.
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