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Uninsured and Under-Insured Claims

Uninsured motorist coverage is an option available under all automobile insurance policies issued in California. If the insured elects to purchase this coverage, the insurance company provides coverage to the insured for his or her claims for injuries and damages arising from a motor vehicle accident where the party at fault is either uninsured, or does not have enough insurance to provide full compensation for the injuries sustained.

Insurance companies are for-profit businesses. For this reason, they have an incentive to pay you the lowest amount of compensation for your injuries that they can get away with. In attempting to persuade you to accept a “low-ball” settlement, some insurance adjusters will try to scare you by telling you that unless you accept the amount being offered, you will be required to participate in protracted and complicated arbitration proceedings. Sometimes they also will neglect to even tell you that you are entitled to damages for pain and suffering (often the largest damages component), in addition to compensation for your medical bills.

It is for this reason that many people pursuing claims under their uninsured motorist coverage retain an attorney to represent them and protect their interests. Now, it is true that if your insurance company disputes the worth of your uninsured motorist claim it can require you to participate in an arbitration proceeding before paying you anything. However, it also is the case that when an insurance company sees that an attorney is involved, it often agrees to pay a substantially higher amount than what was first offered, without even going through the arbitration process. If the insurance company still refuses to pay full value on your claim, however, the attorney will then demand arbitration on your behalf and pursue the claim in an arbitration hearing. An experienced attorney is often able to obtain top dollar for his client in an arbitration proceeding.

All states have laws that require drivers to show proof of their financial ability to pay for personal injury or property damage to others in the event of an automobile accident. Most drivers satisfy this requirement by purchasing insurance, but many cannot afford, or ignore, this obligation. It is also not uncommon for insurance companies to become insolvent, potentially leaving their policyholders without liability coverage. The result is that responsible drivers who carry insurance must bear the burden of paying for their own injuries, or damage to their vehicle, caused by someone who has no insurance coverage. Alternatively, some drivers purchase the lowest amounts of liability coverage permitted by the law in their state, which can be insufficient to cover the damages incurred by someone injured in an accident with them. Unfortunately, many people realize the importance of uninsured/underinsured coverage too late, i.e., after they or their family members have been injured by an uninsured or underinsured motorist.

It is important to know what to do to protect the legal rights of yourself and your loved ones. Selecting the right attorney is an important decision. You should choose someone who is experienced, aggressive and dedicated to working to get fair compensation for your injuries. That is why you should contact the Law Offices of Bob Nehoray.


“Trust, confidence, and reliability were [the] major factors that impressed me most when I hired the Law Offices of Bob Nehoray to represent me. I was seriously injured at work and was treated very badly by my employer. I’ve gone through many hurdles and obstacles looking for the right attorney to satisfy my needs and expectations but nobody [seemed] to care about me. Some turned me down [while others] took advantage of me. [They] did not even care and appeared to be more interested in what they could get out of my case, thus, putting their [own] personal interest over mine.

I was hopeless and almost gave up, because my workers’ compensation claim was tied [in] with my discrimination/harassment civil lawsuit against my employer, [which] made the whole situation very complicated. However, it was not too late when I met Mr. Nehoray and his office manager, Alma Gavia, who gave me hope and courage. They patiently listened to me and spent time and effort with me. Mr. Nehoray took-on my case despite complications. He handled it with proper care and professionalism.

If you are looking for a combination of excellent legal representation and positive results, Bob Nehoray and his staff will take care of you. Finally, after consulting with many attorneys, I am glad I am in good hands. Don’t be desperate. Put aside your frustrations and be patient. Go and get a free consultation. Call the Law Offices of Bob Nehoray right away and get your rights protected.”

Ariel D.

“Law Offices of Bob Nehoray… I will NEVER be able to thank you enough for what you’ve done for me; and it isn’t the amazing settlement that you got for me that I am most grateful for; it is how professional you and your entire office staff were. Everyone is SO nice [and] caring. They made me feel like a person and not just a ‘client.’ The fact that you were able to handle both my Personal Injury and my Workers’ Compensation cases at the same time was very important as well. Bob, you and Behnaz are the best of the best and you will forever have my appreciation and my HIGH recommendation! All the best to you and everyone at the Law Offices of Bob Nehoray. Thank you all so very much!”

Letisha W.

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