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Learn More About Uninsured/Underinsured Motorist Coverage

What You Don’t Know About Your Auto Insurance Can Hurt You

At the San Francisco automobile accident firm of Walkup, Melodia, Kelly & Schoenberger, our car accident lawyers work with insurers and insurance companies every day. Over the course of the past 50 years, we’ve seen every kind of auto insurance policy available in California. We understand the fine print in your insurance policy and will take the time to explain it to you.

We also understand the tactics insurance companies use to increase their profits and minimize their risks, all at your expense. One of these tactics is to fail to inform consumers of the importance of buying adequate UM/UIM coverage.

By state law, you are required to purchase an auto insurance policy with a minimum of $15,000 of liability insurance. That covers the other driver’s injuries and damages. It does not cover your injuries or losses!

If we had only one piece of advice to offer the motoring public regarding California uninsured motorist policies, it is this: Buy the same amount of UM/UIM coverage as your liability coverage. If you have $250,000 to protect yourself from lawsuits by others, doesn’t it make sense to have the same amount to cover your injuries and damages, if need be?

Walkup Melodia Lawyers Are Available To Explain:

  • What a UM/UIM policy is and what it covers
  • How to appeal an insurance claim denial if your insurer is delaying or denying payment after you were hurt by an uninsured or underinsured motorist
  • What your insurer is obligated to do for you if you have a valid claim and how you can protect yourself if your insurance company is acting in bad faith if it denied your claim
  • California’s Insurance Code

Contact A Bay Area Insurance Bad Faith Lawyer

Get the compensation that your insurance policy entitles you to. The San Francisco law firm of Walkup, Melodia, Kelly & Schoenberger handles car insurance cases throughout the Bay Area, including San Jose, Oakland, Fremont, Santa Rosa and Sunnyvale. To arrange a free consultation with a member of our legal team, call our firm at (415) 981-7210 or send us an email.

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Client Testimonials

“They held us by the hand and walked us through the entire sequence. The settlement was more than we expected. The attorneys did the best job I could ever imagine. They pulled me through this whole miserable time and stood by me.” View Testimonials >

Why Choose Us

Reason #6

We Have A Full Time Doctor-Lawyer On Our Staff. Unlike 99% of other firms we have a full time physician attorney on our staff and a second doctor-lawyer available on call to consult on medical questions, expert finding and medical malpractice case screening. These skilled professionals help us understand our clients' medical issues and select the best testifying medical professionals for deposition and trial.

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