Uninsured & Underinsured Motorist Claims: Protecting Yourself When the Other Driver Has No Coverage

In this insightful episode, Josh Moody breaks down what happens when you’re hit by a driver with little or no insurance. He explains the difference between uninsured and underinsured motorist coverage, why these policies matter, and how they protect you when the at-fault driver can’t pay for your damages. Josh also shares common insurance company tactics, what evidence you’ll need, and how to make sure your family is fully protected on the road.

Key Timestamps:
00:00 – What uninsured and underinsured motorist coverage means
02:15 – How these coverages protect you after a crash
04:30 – What to do after being hit by an uninsured driver
06:20 – Why you must “exhaust” the other driver’s insurance first
09:45 – Policy limits and how they cap your recovery
11:30 – Key evidence to prove your claim
13:00 – Common insurance company tactics to reduce payouts
14:00 – Josh’s best advice for staying protected

About the Show:
The Moody Lawyer: Justice Served with Experience and Integrity features attorney Josh Moody, a former law enforcement officer turned trial lawyer. Drawing from his experience in criminal justice, personal injury, and civil law, Josh helps Californians understand their rights, navigate insurance challenges, and get the compensation they deserve.

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