California uninsured or underinsured motorist coverage (UM/UIM coverage) pays for a person's injuries if he or she is struck by a hit-and-run driver or by someone who does not have adequate insurance coverage—either because they have no insurance or not enough coverage to pay for the resulting bodily injuries. A knowledgeable car accident attorney can help you understand your UM/UIM coverage and pursue the compensation you may be entitled to after an accident.