Our Oakland uninsured and underinsured car accident lawyers can help you understand your legal options for compensation after a crash. The process of filing a UM claim is the same as filing an insurance claim against the other driver.Here's what you need to know about underinsured and uninsured motorists in California and how to recover damages for your losses. Dealing with an uninsured motorist after a car accident can become stressful and confusing. Contact Ben Crump Law, PLLC, today. Explore your insurance options and more. First, you need to confirm that the other party involved in the accident has no insurance coverage for your injuries. Twenty-five percent of all drivers in California are uninsured. The most common option for clients is to pursue a claim with their own auto insurance carrier. An underinsured motorist accident attorney will be able to determine who is at fault in the accident and tally up the value of your damages.