Uninsured Motorist Accidents
After a car crash it seems like the party who is at fault should be responsible for paying the damages, but if the liable party doesn’t have insurance or not enough insurance, you may not be able to recover the costs of the collision from them. According to the Insurance Institute Information, 26.7 percent of Florida residents in 2015 were uninsured motorists, making it the state with the highest number of uninsured drivers. If you were injured by an uninsured motorist you can still file an insurance claim with your own insurance company. An uninsured motorist accident lawyer can help you determine which policies apply and push for your insurance company to adequately provide coverage for you during this eventful time.
Types of Coverage That Will Be Important in an Uninsured Motorist Collision
The first type of coverage that all Florida residents are required to have is called personal injury protection (PIP) insurance. Even if you are hit by a driver who is well-insured, this no-fault policy will be the first one to go into effect. According to Florida Statute 627.736, PIP insurance protects you, your passengers, and anyone in your household for up to $10,000 in medical and disability benefits and up to $5,000 in death benefits. There is another type of insurance specific to these instances, which is called an uninsured motorist (UM) policy. Depending on the insurance policy, this may cover medical expenses, property damage, or both within the same policy. This policy also applies in hit-and-run cases and protects you if you are a pedestrian when you get hit.
Why Do I Need an Attorney To Deal with My Own Insurance Company?
Insurance companies are supposed to offer you the coverage you need in bad circumstances, but they are also a business seeking to make profits. Even though it is your own insurance policy that will be paying for the damages you’ve sustained, it is important when filing a claim to have a comprehensive understanding of all of Florida’s laws, the insurance policy agreement, the extent of your injuries, and what property was damaged. Since PIP insurance is mandatory in Florida, the state has seen an increase in fraudulent claims, which has also made filing a claim more difficult.
A qualified attorney can make the best case on your behalf which will increase the likelihood of your insurance company cooperating and speed up how quickly you are able to get compensated for the expenditures such as hospital payments or car repairs.
Contact A Stuart Uninsured Motorist Attorney
The Stuart attorneys at Sholtes Law, PLLC represent motor vehicle crash victims no matter what insurance policies are at stake. If you have been hit by an uninsured or underinsured driver, the difference between having legal representation and trying to submit a claim yourself can also be the difference in getting compensated. Let us take the worry over insurance away from you so you can focus on making a full physical and emotional recovery. Contact our offices at 855-534-2509 to set up a free consultation today.