Generally yes. When the at-fault driver cannot be identified, your own UM coverage is often the only realistic source of compensation for your injuries.

Plan extra time, take rest breaks, avoid distractions, check the vehicle, and slow down in heavy traffic or construction zones.

UM/UIM coverage may apply when the at-fault driver has no insurance or not enough insurance to cover your injuries.

As soon as possible. Some surveillance systems overwrite footage within days, so waiting can make key evidence harder or impossible to recover.

Generally two years from the date of injury — but claims against government entities require a notice in as little as six months, and waiting makes evidence harder to preserve. Confirm your specific deadline with an attorney.

Yes. Many people feel uncomfortable at first, especially if the at-fault person is someone they know, but most claims are handled through insurance.

No — but insurers are required to offer it, and you must reject it in writing. Given how many Southern California drivers carry no insurance or bare minimums, declining it leaves you unprotected in the most common worst-case scenario.

Be careful. Passengers may be contacted quickly by insurance companies, but you should avoid guessing or minimizing symptoms before you understand your injuries.

If you have collision coverage, using your own insurance may be faster, but you may need to pay a deductible first.

Do not sign insurance documents until you understand what rights, claims, or information the document affects.