CALIFORNIA UNINSURED MOTORIST CLAIM | LEGAL INFORMATION: What is a California Uninsured Motorist Claim also known as a "UM" or "UIM" Claim?

A California Uninsured Motorist Claim is also known as a UM (uninsured motorist) or UIM (under-insured motorist) Claim and it occurs when the at-fault party to a car accident is without insurance, and the injured party files a claim with their own insurance company to be "made whole" again.  It protects an injured party against the irresponsibility of a negligent party.