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San Francisco Uninsured Motorist Accident Attorneys

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over three decades of legal experience

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Over $100M Recovered for our clients

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Extensive Jury Trial Experience

Hit by a driver who had no insurance, or not enough of it. You are not alone in San Francisco. At Delfino Green & Green, we use more than 30 years of experience in injury and insurance cases to help people recover money for medical care, lost income, and more.

Our team handles uninsured and underinsured motorist claims across California. We deal with insurers daily, and we know how to push for full coverage under your policy. If you need answers, we are ready to jump in and help.

close up image of a man driving holding the steering with both hands. Picture shot from behind only showing the back part of his head

Overview of Uninsured Motorist Accidents in San Francisco

An uninsured motorist accident happens when a careless driver causes a crash and carries no insurance, or too little to pay for the harm they caused. In a busy city like San Francisco, that scenario comes up far more often than people expect. The result is stress over bills and repair costs that should not be yours.

Our firm helps clients use their own uninsured motorist, UM, and underinsured motorist, UIM, coverage to fill the gap. We also pursue legal claims when policy limits or carrier conduct block a fair result. For those hit by a driver with no coverage, our no insurance accident lawyer services and no car insurance lawyer help can step in quickly.

Clients often ask what losses can be recovered. Depending on the facts, claims can include the following:

  • Medical bills, therapies, and medications
  • Lost wages and loss of future earning power
  • Vehicle damage and other property losses

If questions or roadblocks pop up, our team can explain options and move your claim forward.

The Truth About Uninsured Motorist Coverage

By law, all California drivers must have auto insurance. However, the fact that car insurance is required doesn’t necessarily mean that everyone actually has insurance or that they have enough insurance to cover injuries and damages they might inflict upon you in an accident. In fact, the law only requires drivers to carry $15,000 of auto insurance (called policy limits).

With the exorbitant costs of medical care these days, one visit to the emergency room following an accident could exceed this low policy limit. If you then start adding in other typical accident-related expenses like rehabilitation, medications, and lost wages, the $15,000 minimum required insurance is completely insufficient.

When that situation arises, you may be able to collect the compensation you’re entitled to from your own insurer under the underinsured motorist protection that you paid for when you purchased your automobile policy. Similarly, when the negligent driver has no auto insurance at all, you may be able to collect under your uninsured motorist coverage.

California Law on Uninsured and Underinsured Motorist Coverage

California requires every driver to carry liability insurance, but the minimum limits are low. The state only requires $15,000 for injury to one person, $30,000 per incident, and $5,000 for property damage. These amounts rarely cover the full cost of a serious crash, leaving many injured people with unpaid losses.

Uninsured motorist, UM, and underinsured motorist, UIM, coverage help fill that gap. UM applies when the at-fault driver has no insurance or cannot be identified, such as in many hit-and-run situations. UIM applies when the other driver has insurance, but the limits are too low to cover all of your damages. These coverages can help pay medical bills, lost income, and pain and suffering up to your policy limits.

Many Californians do not realize they can file a UM or UIM claim under their own policy even when another driver caused the crash. This often leads to missed benefits or low settlements that do not reflect the true value of the claim.

A San Francisco uninsured motorist claims lawyer can review your policy, interpret the fine print, and handle negotiations with the insurer. Carriers sometimes dispute fault or minimize injuries, even when you are their own customer. Legal guidance helps prevent delays and supports your right to full compensation.

At Delfino Green & Green, we make sure clients understand their options under California’s UM and UIM laws. We review every available coverage source and work to maximize recovery so you can move forward with confidence.

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Contact Delfino Green & Green online or call us today to learn more and schedule a free consultation with one of our San Francisco Uninsured Motorist Accident Lawyer.

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Steps to Take After an Accident with an Uninsured Driver

When you are hit by a driver who has no insurance or too little of it, the steps you take right away can protect your health and strengthen your claim.

Report the Accident and Document the Scene

Call the police and wait for an officer to arrive. Photograph the vehicles, damage, and the overall scene. Collect witness names and contact information, as their statements can help prove what happened.

Seek Medical Attention Right Away

Get medical care even if injuries seem minor. Early treatment creates a clear record linking your injuries to the crash. Keep all medical notes, imaging, and prescriptions.

Notify Your Insurance Company Promptly

Tell your insurer that the crash involved an uninsured or underinsured driver. UM and UIM policies often have strict reporting rules, so early notice is important. Share only basic facts until you speak with a lawyer.

Avoid Speaking Directly with Insurance Adjusters

Adjusters may ask for recorded statements or push for quick resolutions. Talk with an attorney first so you do not say anything that could affect your claim.

Let a San Francisco Uninsured Motorist Lawyer Help

A lawyer can gather evidence, prepare claim forms, and track every deadline. UM and UIM cases often involve policy limits, offsets, and exclusions that can be difficult to manage without guidance.

Explore Additional Legal Options if Coverage Falls Short

If your own policy does not cover all losses, a no insurance accident lawyer can check for other possible sources of compensation, such as employer coverage, rideshare insurance, or additional liable parties.

Why You Should Get Proficient Representation

Uninsured and underinsured motorist claims can be more complex than people expect. Even your own insurer may dispute fault or question the extent of your injuries. Having legal support from the beginning helps protect your rights and prevents avoidable delays.

Evaluating Coverage and Identifying Benefits

Delfino Green & Green reviews your UM and UIM policies to confirm available benefits. We check limits, exclusions, and offsets so no coverage source is missed.

Investigating Liability and Proving Fault

Our team gathers police reports, witness statements, photos, and other evidence to show how the crash occurred and why the uninsured driver is responsible.

Negotiating with Insurers for Fair Compensation

We handle all communication with the insurance company and work to secure a settlement that reflects the full impact of your injuries. Carriers often undervalue UM and UIM claims, so organized advocacy matters.

Filing Lawsuits or Demanding Arbitration When Needed

If the insurer denies or underpays the claim, we are prepared to take the case to arbitration or court. Our attorneys know how to present these disputes and push for the compensation you deserve.

Why Legal Representation Matters

A lawyer helps you avoid mistakes that can harm your claim, such as giving statements or signing documents without guidance. Legal support ensures the insurer follows the rules and treats your claim fairly.

A Strong Record of Results in San Francisco

Our firm has a long history of helping injured people in San Francisco and across California. We understand how UM and UIM claims work and how to counter unfair tactics.

Free Consultation to Understand Your Options

If you were injured by an uninsured or underinsured driver, we offer a free consultation to review your policy and explain your next steps. Our team is here to help you move forward with confidence.

car wheel in motion and continuous double yellow lines

Why Choose Delfino Green & Green for Uninsured Motorist Claims

Delfino Green & Green has spent more than 30 years helping injured people across California, including those hit by uninsured and underinsured drivers. Our firm is known in San Francisco for steady guidance, clear communication, and results that reflect the true impact of an accident.

There could be extra coverage from an employer or a rideshare policy, depending on whether the driver was on the job. Commercial or app-based insurance may offer higher limits. We investigate those avenues to see if they can supplement your UM or UIM claim.

We understand how insurance companies try to limit payouts, and we know how to respond. By reviewing your policy, gathering strong evidence, and handling all negotiations, we work to secure the compensation you deserve. If the insurer refuses to be fair, we are prepared to take the case to arbitration or court.

Our commitment is simple. We put clients first and fight for fair results in every uninsured motorist claim.

If you were injured by a driver with no insurance or too little of it, call us at 415-442-4646 for a free consultation. A San Francisco uninsured motorist accident lawyer can review your case and explain your options for recovery.

Frequently Asked Questions

Here are short answers to common questions about uninsured and underinsured claims in California. Your situation may have extra wrinkles, so feel free to contact us for a free case review.

What is the difference between uninsured and underinsured motorist coverage?

Uninsured motorist coverage applies when the at-fault driver carries no insurance, or in many hit-and-run cases. Underinsured motorist coverage applies when the other driver’s limits run out before your losses are fully paid. Your policy can then pay the unpaid portion up to your limit.

Is uninsured motorist coverage required in California?

No. Carriers must offer UM and UIM, and drivers can reject in writing. Choosing this coverage gives you a safety net if a careless driver has no insurance or very low limits. Many policyholders add it for peace of mind on busy city roads.

What does uninsured motorist coverage pay for?

UM can pay medical bills, lost income, and pain and suffering, up to your policy limit. Some policies include uninsured motorist property damage for vehicle repairs. Exact benefits depend on your contract language and any exclusions or deductibles that apply.

What should I do if I’m hit by an uninsured driver in San Francisco?

Call the police, gather photos and witness information, and get medical care right away. Tell your insurer it was an uninsured event, but avoid recorded statements before legal advice. Then contact Delfino Green & Green to protect your rights and start your claim.

Can I sue an uninsured driver directly?

Yes, you can file a lawsuit against the at-fault driver. Recovery can be limited if the person has few assets. Many people rely on UM coverage first, then review whether a personal judgment or other liable parties can add to the recovery.

How does uninsured motorist coverage work in hit-and-run accidents?

UM often treats a hit-and-run as if the other driver were uninsured. You file a claim with your insurer, show contact and impact, and prove damages. Prompt reporting to the police and your carrier helps preserve this option under policy rules.

Does uninsured motorist coverage apply to passengers in my car?

Yes, UM typically extends to passengers who are injured while riding in your vehicle. Passengers might also have their own UM or UIM coverage that could apply. Policy language controls, so a coverage review is important to avoid leaving money on the table.

How long do I have to file an uninsured motorist claim in California?

California’s general injury deadline is two years from the crash for lawsuits. UM and UIM claims also follow your policy’s contractual time limits, which can require a timely arbitration demand. Act quickly so you do not miss a deadline.

Does uninsured motorist property damage, UMPD, cover vehicle repairs?

UMPD can pay for vehicle damage caused by an uninsured at-fault driver, subject to your policy’s terms and any deductible. If UMPD is not available, collision coverage could handle repairs. We can check your policy to see which path fits your claim.

Why You Should Get Proficient Representation

Unfortunately, the process of collecting on your uninsured or underinsured motorist benefits is not simple. Even though you are making a claim against your own insurer, they are able to step into the shoes of the other driver and defend the case as if they represented the other driver. This makes the process adversarial and it often closely resembles the process of suing a negligent driver in court. Your attorneys need to prepare the case as if it were going to court or be prepared to try your case in front of an arbitrator.

Please keep in mind that insurers, even your own insurer, will be trying to minimize the amount they pay out on your claim. Before you give any written or recorded statements to representatives from any insurance company, even your own, you should consult with a knowledgeable San Francisco Uninsured Motorist Accident Lawyer. Failing to do so could make resolving your case more difficult. If you’ve been injured in an accident, you should:

  • Seek immediate medical attention and get your injuries thoroughly documented
  • Contact a proficient injury attorney to start building your case right away
  • Continue to document your injury and its effects over time, as documentation is crucial
  • Then, let us take it from there

Don’t Wait to Get Help If You Have Been Injured

Even if you are pedestrian, and you are injured by a negligent driver who is either uninsured or underinsured, you may still be able to collect benefits under the uninsured or underinsured motorist coverage of your auto policy! Call us at 415-442-4646 and we’ll explain how. If you’ve been injured by a driver who has no coverage or a policy limit that is insufficient to cover your injuries and damages, we can help.

We’ve handled many serious cases where some or even all of the compensation comes from our client’s uninsured or underinsured motorist’s coverage. Our San Francisco Uninsured Motorist Accident Lawyers have decades of combined experience, and we’ve helped countless injured victims with their uninsured or underinsured motorist claims.

Free Case Evaluation

Call us today at 415-442-4646 to schedule your free case evaluation with one of our experienced San Francisco Uninsured Motorist Accident Lawyer.

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Personal Injury Types

Verdicts & Settlements

We’ve recovered millions for our clients

Traumatic Brain Injury

Our client suffered a mild Traumatic Brain Injury when heavy object struck her in the head. The responsible party denied all fault and insisted until the very end that our client had not suffered a brain injury and offered nothing to settle the case. Our firm assembled a team of world renowned expert‘s to demonstrate that our client had suffered a mild Traumatic brain injury. The case settled shortly before trial.

$1,000,000

Forklift Accident

A construction supervisor went to pick up some materials for a construction job. A worker at the yard neglected to set the parking brake on a piece of heavy equipment a few yards away. While the construction supervisor had his back turned, the machine rolled into him, pinning him against the side of his pick-up truck. He suffered several broken ribs, but that was the least of his injuries. Within several weeks of the accident, he had partially lost his sight. By working with medical experts, our firm was able to directly connect the sight loss to the injuries caused by the machine that rolled into our client. The case settled at Mediation without any need for a trial.

$700,000

Aviation Death Settlement

A husband and father of two small children was killed in an aviation accident involving a small aircraft. Our firm represented the widow and two children against the pilot of the aircraft. By hiring experts in aviation (to prove negligence) and economists (to prove damages), and utilizing William Green’s expertise as an instrument-rated pilot, we were able to make a very powerful case and obtain a very favorable settlement that allowed the family to survive financially.

$975,000

Traumatic Hand Injury

Our client was working at a manufacturing plant. While operating a piece of machinery, his glove became caught in the machinery and part of his hand was severely injured. Ordinarily, this type of injury would be restricted to remedies available through Worker’s Compensation. However, through the knowledge, ingenuity, and creativity of our team of attorneys, we were also able to obtain a very substantial civil settlement for our client in addition to the workers comp settlement of his case.

$985,000

Heart Condition Disability

Our client had worked for the government for many years when she began suffering from a serious heart condition. All of her doctors told her that she could no longer work and if she continued to do so, she would be risking further injury to her heart or even death.

$1,000,000

Builder’s Risk/Collapse

A contractor suffered a severe collapse at one of his sites. The claim was submitted to the insurer and denied. Mr. Green reviewed all of the facts, researched the law, and brought together the necessary experts to prove that the Contractor’s Builders Risk insurer was responsible for a substantial portion of the loss. He also proved that a subcontractor was negligent and the subcontractor’s insurer also paid a substantial settlement. In total, Mr. Green was able to obtain more than $1,700,000 in compensation for his client.

$1,700,000

Heart Condition Disability

Our client became disabled by a heart attack. The insurer refused to pay, claiming that our client was still able to perform his occupation. We met with all of our client’s doctors, obtained reports confirming the client’s inability to perform his prior occupation, and ultimately convinced the insurance company to pay the claim in full.

$1,800,000

Traumatic Brain Injury

Traumatic Brain Injury to Child A three year old child was being carried across the street when she was struck by an oncoming car. The child suffered a serious traumatic brain injury when she hit the ground. Her injuries were so serious she had to be hospitalized for several months. Our firm negotiated a settlement of $2,000,000 by forcing the payment of all of the available insurance from the driver’s automobile insurer ($1,250,000), the entire amount of the homeowners insurance limits available ($500,000), and all of the amounts that the person carrying the little girl was able to recover from the negligent driver ($250,000). We then arranged for another firm to prepare and fund a large Special Needs Trust for the health and welfare of the injured child.

$2,000,000

Disability Claim

Disability – Neurological Issues Our client became disabled from neurological issues. Our attorneys were able to work with the client and his physicians to quickly assemble all of the documentation necessary to support out client’s claim of total disability. The insurer agreed that our client was totally disabled and paid his claim.

$2,400,000

Traumatic Brain Injury

A 16 year old developmentally disabled kid was hit by a bus while in a crosswalk. He suffered a concussion which turned into post concussive syndrome, where the symptoms of the concussion don’t heal completely. This is also known as a mild Traumatic Brain Injury (“mTBI”). Our firm was hired as trial counsel 6 months before trial because of our expertise in TBIs as well as cutting edge trial techniques. When we first associated into the case, there was a very minimal settlement offer and it did not appear that the Defense was taking the case seriously. Our team of attorneys, experts and staff immediately immersed ourselves in the case as we prepared to demonstrate the catastrophic consequences of this incident. Shortly before trial, the Defense could see that we had put all the pieces together to prove liability and that full justice for our young client required damages in the many millions of dollars. The matter settled for $5,750,000.

$5,750,000

Bad Faith Insurance Claim

Insurance Coverage/Bad Faith Bad Faith – Pollution Coverage Prior to forming his own firm, Mr. Green worked at one of the largest and most prestigious firms in the U.S. He was the primary attorney on an environmental insurance case that went to trial in San Francisco. After a several week trial, Mr. Green came away with a trial verdict against the insurers with a value of over $10,000,000 in available insurance coverage.

$10,000,000

Construction Death

The husband and father of 4 young children was working at a construction site when he died because of another contractor’s negligence. After more than two years of hard fought litigation, our team of experts was able to win a tremendous victory on behalf of our clients and ensure that all of their financial needs will be met. We could not bring back the husband/father for this family, but we were able to protect them from the financial devastation that can and often does result where the primary source of income for the family is taken away. We then worked with our team of financial planners to make sure that this family will always have financial security.

$10,400,000

Words of Praise from Our Clients

  • "I had the pleasure of working with Sharon Delfino on my workmens comp case. She definitely had my best interest at hand. She was able to find me a great doctor and help me resolve my case. The staff there are always polite and friendly, never had an issue. It was a pleasure working with Delfino Green & Green !"

    Tabitha W

  • "I've known the firm's founder, Bill Green, for many years and I can say that he is one of the best attorneys I've had the pleasure of working with. He and his associates at Delfino Green & Green are hard-working, highly responsive, and very professional, and they get the job done, without excuses. Bill is a great communicator, both with clients, and in Court, and invests time and money to include visual storytelling in his trials and mediations. You won't find an attorney who cares more about you, and getting you an outstanding result for your case. Bill is one of the "good guys" in the legal profession...a great person to have on your side when dealing with the craziness of litigation."

    Tim M

  • "A few years ago, I referred a friend of mine to the attorneys at Delfino Green & Green. He was extremely happy with the job they did on his case. He was severely injured when a car hit him when he was crossing a street and this event had the potential to ruin him in a number of ways - financially, physically, emotionally, etc. We kept in close contact during the lawsuit and he told me how great his lawyer and his assistant were throughout the process. Caring, compassionate and very knowledgeable. My friend ended up with a great result - fair financial compensation and great treatment for his injuries. Little did I know when I referred my friend that a few years later, I would need a lawyer for injuries I suffered, but I did. Based on my friend’s experience, I knew that Delfino Green & Green would be the right attorneys for me. So I hired Bill Green and his team to help and they jumped right into action. Now I can saw that I too have firsthand knowledge of just how great these guys are. They knew the law, they knew just how to handle my particular case, and they helped me get my life back after the horrible events that lead to my injury. I can’t imagine that you could do any better than hiring these folks. I’m so grateful for all they did for both me and my friend."

    Evelyn A

  • "The work Delfino Green & Green did on my case was beyond excellent. The final result was superb, but I also truly appreciated how Mr. Green and the team kept me up-to-date at every stage of the case. I was able to reach someone whenever I needed something or had something important to report and the firm always let me know what was going on in my case. That was very important to me because I hadn’t found that to be true with other attorneys. In short, really top flight work, great people and results that met all of my expectations above and beyond."

    Byron H

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