South Florida Uninsured Motorist Attorney
Were You Hit by an Uninsured/ Underinsured Motorist?
Florida has one of the highest rates of uninsured drivers, more than many other states, with about a quarter of individuals going without. If that person gets into a car accident and does not have insurance, then finding compensation for the accident cannot be possible. As our state is considered a “no-fault” state, drivers do not pursue claims against the other driver’s insurance but with their own company. For an uninsured motorist (UM) claim, you will still need to prove that the other driver was negligent and caused the accident.
If you have been injured by an uninsured driver or are faced with a situation where the cost of medical treatment for your injuries exceeds the at-fault driver’s policy limit — you may be able to obtain additional financial benefits under your own uninsured and underinsured motorist (UM / UIM) policy. At the Law Offices of Russ E. Robbins, P.A., we know how to help you file the claim and we guide you throughout the process.
Some of the benefits of hiring our firm include:
- We provide tenacious representation so the insurance company doesn’t take advantage of you.
- We advise you on the tactics of the insurance company.
- We prevent you from agreeing to a settlement that is lower than you should receive.
Contact our firm at (561) 362-5215 to begin.
Florida Insurance Laws & Minimum UM Coverage Limits
Florida requires drivers to carry a minimum of $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL) insurance. Generally speaking, it is best to purchase as much UM/UIM coverage as you can afford or as much as your insurance company will allow.
There are various types of UM insurance policies available, including:
- $10, 000 per person/$20, 000 per accident
- $25, 000 per person/$50, 000 per accident
- $100, 000 per person/$300, 000 per accident
- $300, 000 per person/$500, 000 per accident
UM insurance motorist is critical, considering that bodily injury coverage is not mandatory under the law. Adding this option to your policy may prove to be invaluable if you happen to get into an accident with a driver who does not carry coverage. As Boca Raton car accident lawyers, our job is to help our clients navigate through the claims process. Uninsured motorist claims, in particular, can be one of the most complex areas of law, especially considering that its importance is often overlooked.
You have rights under the law. As a paying customer to your insurance company, they have the duty to protect you to the maximum of your policy. Our Boca Raton car accident attorney can sit down with you to review and familiarize you with your policy.
Trust in Our Boca Raton Auto Accident Lawyer
Unfortunately, insurers will often look for any reason to deny UM / UIM claims or minimize the compensation they have to pay you. Another problem is that uninsured and underinsured motorist policies often have complicated claims procedures and timing requirements. If you make a mistake or miss a deadline, you may lose your right to make a claim for benefits. On a more positive note, Florida does allow you to “stack” policies. This means that if you own other vehicles and carry insurance on them, you can combine coverage.
Our Boca Raton auto accident lawyer can help you receive compensation for:
- Medical bills
- Lost wages
- Pain and suffering
- Repairs to the vehicle
- Other costs related the accident
If you are battling the insurance company and need assistance in recovering an adequate settlement, contact our team. We have nearly 20 years of experience, during which we have successfully recovered tens of millions of dollars. We can help you combat the big insurance company in order to recover the compensation you need for your damages. Learn why thousands of other individuals trusted the Law Offices of Russ E. Robbins. Call our Boca Raton auto accident law firm!