Uninsured Motorist Accident Lawyers | S.F. | FREE Consultations

over three decades of legal experience

Over $100M Recovered for our clients

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.

Contact Us

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.

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 About Uninsured Motorist Accident Injury

An uninsured motorist may face personal liability for damages, fines, and possible license suspension. Victims often must seek recovery through their own insurance policies.

No. Uninsured motorist coverage is designed to protect you when the other driver is at fault and does not have insurance.

Call the police, document the scene, collect information, notify your insurance company, and consult an attorney to explore your legal options.

Yes. Most uninsured motorist policies cover hit-and-run situations where the at-fault driver cannot be identified.

Usually, yes. Insurance companies often require a police report to process an uninsured motorist claim, especially for hit-and-run accidents.

Yes. However, many uninsured drivers lack assets, making lawsuits challenging. Your attorney can advise if pursuing the driver is worthwhile.

Seek medical help, file a police report, notify your insurer, and contact a lawyer to protect your rights and pursue compensation.

This depends on your policy. Some uninsured motorist coverages do not require deductibles, while collision coverage usually does.

Typically, your premiums should not increase if you were not at fault. However, some insurers may still adjust rates depending on policy terms.

Yes. Even if they lack insurance, an uninsured driver may file a lawsuit if they believe another party was responsible for the crash.

Provide your insurer with the police report, medical records, witness information, and other documentation to support your claim.

Compensation depends on medical expenses, lost wages, pain and suffering, and policy limits under your uninsured motorist coverage.

Coverage depends on the policy terms. Some extend protection when driving another vehicle with permission, while others do not.

Yes. Without sufficient documentation, insurers may deny your claim. Keeping detailed records strengthens your case.

Yes. Passengers are typically covered under your uninsured motorist policy, subject to policy limits.

If identified, you may pursue damages directly from the driver in addition to filing under your uninsured motorist policy.

It depends on your policy. Many uninsured motorist coverages extend to rental vehicles, but always confirm with your insurer.

The timeline varies. Simple claims may resolve in a few months, while disputed cases can take longer if litigation is required.

You may need to explore additional coverage options, pursue the at-fault driver directly, or seek other legal remedies with the help of an attorney.

Yes. Insurers may deny claims based on insufficient evidence, late reporting, or policy exclusions. An attorney can help challenge wrongful denials.

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.

Verdicts & Settlements

We’ve recovered millions for our clients

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

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

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

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

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

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

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

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

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

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

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

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

Words of Praise from Our Clients

“Such amazing and professional attorneys. I would (and have) highly recommend Bill Green to anyone who needs a professional and classy individual for representation. I was self represented for a year and a half, and the opposing attorney was just disrespectful, and unprofessional with her personal opinions which spun the case out of control. Bill has the right attitude and level headed legal knowledge to assert whats wrong and bring justice where it is needed. My case is very much on the right track because of Bill.”

amy w
“Bill Green taking my case was life changing, I truly do not know what I would have done had I not retained his services. It was not easy finding a competent lawyer such as Bill in this field. Bill and his team are incredibly caring, ethical and kind, that is not easy to find these days. When Bill or a member of his team say they will do something, it gets done. Bill and team are always patient and make time for me. What stands out the most is Bill's expertise, professionalism, knowledge and concern for his clients best interest. With his calm and approachable demeanor, genuine caring personality, I always feel I can contact him. Bill is an incredibly competent lawyer and a true gem. I would (and have) highly recommend Bill Green to anyone needing representation.”

staci g
“Delfino Green & Green handled my disability case in the San Francisco Bay Area and I recommend them highly. Bill Green was thorough in evaluating my case and explaining the issues to me. I felt they were a strong advocate and were attentive and concerned with protecting my best interests. They kept me up to date and communicated well. I am a physician and was referred to them by another physician so they can be called 'the doctors' lawyer.'”

Kenneth F
“The attorneys here are simultaneously the most competent and the most willing to go above and beyond for their clients in the areas of law they practice. The attorneys here are extremely competent, and the attorneys at this law firm have inspired me to practice law not for money nor personal glory, but for simply making a positive impact on people's lives and on society, especially for individuals who have been wrongly treated. This firm embodies every attribute that an ideal attorney should carry in their careers. From tenacity to compassion and going above and beyond for the sake of their clients, you're truly in the best hands if your case is lucky enough to be accepted by these high level attorneys.”

daniel c

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Get the firm legal guidance you need with Delfino Green & Green

San Francisco Uninsured Motorist Accident Attorneys

Overview of Uninsured Motorist Accidents in San Francisco

The Truth About Uninsured Motorist Coverage

California Law on Uninsured and Underinsured Motorist Coverage

Contact Us

Steps to Take After an Accident with an Uninsured Driver

Report the Accident and Document the Scene

Seek Medical Attention Right Away

Notify Your Insurance Company Promptly

Avoid Speaking Directly with Insurance Adjusters

Let a San Francisco Uninsured Motorist Lawyer Help

Explore Additional Legal Options if Coverage Falls Short

Why You Should Get Proficient Representation

Evaluating Coverage and Identifying Benefits

Investigating Liability and Proving Fault

Negotiating with Insurers for Fair Compensation

Filing Lawsuits or Demanding Arbitration When Needed

Why Legal Representation Matters

A Strong Record of Results in San Francisco

Free Consultation to Understand Your Options

Why Choose Delfino Green & Green for Uninsured Motorist Claims

Frequently Asked Questions About Uninsured Motorist Accident Injury

Why You Should Get Proficient Representation

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

Free Case Evaluation

Personal Injury Types

Verdicts & Settlements

Words of Praise from Our Clients

Request Your Free Consultation Now