Uninsured Motorist Accidents
Being involved in a car accident with an uninsured motorist is frustrating. Who are these people who think they can buck the system, while everyone else pays a premium to cover the cost of injuries and vehicle damage should they be involved in a collision? Luckily, Florida insurance providers offer uninsured motorist vehicle coverage, and your own insurance policy has PIP (personal injury protection) coverage, which provides injured drivers with up to $10,000 in immediate medical coverage regardless of fault. At Sholtes Law, PLLC, our uninsured motorist accident lawyer can help you evaluate your options after being involved in an accident with an uninsured motorist and make sure the insurance company treats you fairly.
What Is Uninsured Motorist Coverage?
In Florida, uninsured motorist (UM) coverage is an optional benefit you can purchase on your own car insurance policy. If you’ve opted to buy UM coverage, it pays for injuries caused by a car accident where the at-fault driver is uninsured or underinsured. In addition to medical bills, UM coverage can pay for loss of the future enjoyment of life, lost wages and disability, long-term nursing care, wheelchairs and medical devices, and pain and suffering—which may not be covered by medical insurance. It’s important to note, however, that your insurance company may not readily provide you with all these benefits, even if you have uninsured motorist coverage. Attorney representation can help ensure you receive the full amount of compensation available to you under your insurance policy.
What is PIP Coverage in Florida?
In Florida, PIP (personal injury protection) coverage pays for car accident injuries regardless of who was at fault in a car accident. PIP is mandated by the state, so if you have car insurance, you have personal injury protection coverage. In the context of uninsured motorist accidents, PIP is beneficial because your medical treatment costs should be covered by your own insurance company. Unfortunately, uninsured motorist accident victims frequently encounter problems when making a PIP claim. For one, if your injury isn’t considered an emergency, you will only be entitled to $2,500 worth of benefits, so it’s important to make sure your injury is classified correctly. Also, insurance companies are wary of fraudulent PIP claims and may unfairly deny a legitimate claim if they can find some reason to do so. An experienced Florida car accident lawyer can make sure this doesn’t happen to you.
How Can a Lawyer Help after a Car Accident with an Uninsured Motorist?
After being involved in a car accident with an uninsured motorist, legal representation can mean the difference between some recovery and no recovery at all. To learn more about your options, please contact Sholtes Law, PLLC in Fort Pierce and schedule a free initial consultation. We represent car accident victims throughout Saint Lucie County, River County and Martin County.