“A lien is a legal right or interest that a creditor has in another’s property, often used to secure repayment of a debt or reimbursement for services.”
In injury cases, medical providers or insurers may place a lien on your settlement to recover unpaid bills.
Managing liens properly is important for preserving your net recovery.
If you have questions about liens on your case, let’s talk.
Explains why California drivers should not carry UIM limits below their liability limits. Covers the difference-in-limits offset, the dead-coverage scenario when UIM equals the at-fault driver's limits, the 2025 minimum-limit increase, and the umbrella UM/UIM endorsement gap.
Argues that uninsured and underinsured motorist coverage matters more than liability coverage for high-earning California professionals, because lost earning capacity dominates their damages and no health plan, disability policy, or standard umbrella reaches it. Covers the umbrella UM/UIM endorsement gap and the arbitration forum.
A step-by-step method for choosing uninsured and underinsured motorist limits in California: the liability-limit ceiling, why low UIM limits can pay nothing because of the difference-in-limits offset, income replacement and permanent impairment math, household coverage, typical limit ranges, and the four questions to ask a broker.
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