Miami Uninsured And Underinsured Motorist Claims Attorney
What happens if you have been injured in a car accident caused by a negligent driver who has no insurance or inadequate insurance coverage? You may believe your options and sources for obtaining insurance coverage and compensation are limited. With help from our firm, you can pursue the coverage you are legally entitled to receive.
Have you been injured by an uninsured or underinsured motorist? Call our firm today at 800-669-0151 to schedule your free initial consultation with a lawyer. You can also email us and someone will be in touch with you promptly.
Understanding Florida's Insurance Coverage
As a "no fault" insurance state, Florida auto insurance is handled as follows:
- Property damage is paid by the negligent driver's insurance carrier, or if the negligent driver did not have insurance, your own insurance carrier will pay for the repairs.
- Your own insurance company covers the first $10,000 in medical bills and lost wages. This type of coverage is called Personal Injury Protection (PIP) and is mandatory on insurance policies in the state.
- If you are involved in a collision in which another person is at fault, a claim can be filed against the negligent driver's insurance company seeking medical expenses that exceed $10,000. In many cases, the negligent driver's insurance company will deny responsibility and your claim.
Insurance carriers offer optional coverage called "Uninsured Motorist" (UM) or Underinsured motorist coverage "UIM." UM insurance provides a policyholder important coverage for the value of all injuries up to the limits purchased, typically in the range of $100,000 up to $300,000 per accident.
UIM provides supplemental insurance benefits. It applies in situations when the negligent driver has insufficient insurance policy limits to cover the full value of your injuries. A UIM policyholder can then seek recovery against his or her own insurance carrier up to the full policy limits to pay for the injuries either through negotiations or if necessary by seeking recovery through the filing of a civil suit.
Problems arise when the at-fault driver either does not have insurance or does not have enough insurance. Expenses for injuries, especially serious injuries such as brain and spinal cord injuries, can far exceed $10,000. Our attorneys help people who have been injured in car, truck and motorcycle accidents find solutions to this problem.
For example, if you have uninsured/underinsured motorist coverage on your own insurance, your insurance company will pay for what the uninsured driver or underinsured motorist's insurance company cannot. Insurance companies routinely deny and delay uninsured/underinsured motorist claims. As an insured, you paid for this coverage. As an injured person, you are entitled to receive the coverage you paid for.
However, very soon you may discover that your own insurance company is an adversary and rejects or denies coverage. In many cases, an attorney is necessary to seek recovery of UM coverage, which sometimes will not kick in unless and until the negligent driver's insurance carrier tenders its policy limits to you. Then, your insurance carrier accepts this, thus triggering their responsibility to either pay you or force you to file a lawsuit.
Our firm helps injured people find solutions to injuries caused by uninsured/underinsured motorists. Contact us today to schedule your free initial consultation and learn how we can help. We maintain offices in Tampa, Naples, Jacksonville, West Palm Beach and Miami. For your convenience, we can arrange a meeting at your home, in a hospital or at any public place of your choosing.
Speak To A Tampa Car Accident Attorney Today!
If you have been injured in an automobile accident, Feldman Law Group PA is there for you. We will look out for your best interests! Call 800-669-0151 now for FREE and immediate no-obligation consultation with our experienced auto accident attorneys.