In California, all drivers are required to carry auto insurance. Unfortunately, far too many drivers either don’t carry car insurance -- or only carry the minimum amount required by law. This can leave injury victims in a bad position if they are in an accident with an uninsured or underinsured driver. nnIf you have uninsured and underinsured motorist coverage (UM/UIM), you may be able to file a claim against your own insurance company to get coverage. This type of insurance is not required in California, but insurance companies must offer it to their policyholders.nnWhile making a UM/UIM claim may seem relatively straightforward, insurance companies often fight these cases -- even though it is their own insured who was injured. For this reason, it is important to work with a seasoned Los Angeles car accident lawyer who can advocate for you with your insurer.