Uninsured Motorists and Underinsured Motorists: Claims
Florida Injury Attorney
Although the law requires all drivers to maintain valid insurance policies, a disturbing number of drivers in the State of Florida do not carry any vehicle insurance, or the minimum for bodily injury. If you are involved in any type of vehicle accident with an uninsured motorist, that driver is not protected by an insurance company that could pay your claim for damages. A recent study by the Insurance Information Institute revealed that nearly one in four Florida drivers may be driving without insurance, one of the highest uninsured motorist rates in the nation.
Uninsured drivers are a serious problem in Florida, and innocent people can face financial devastation when involved in a collision that led to an injury. A driver who is underinsured and carries only the minimum amount for bodily injury is extremely common, and the mandatory amount any driver must carry is only $10,000 per person per crash. A large majority of drivers only carry this minimum coverage, leading to serious trouble for an injured victim who may have medical costs far exceeding this amount. It is rare that an uninsured or underinsured motorist would have assets which could be accessed to recover damages in a personal injury claim.
It is important that all Florida drivers to purchase uninsured/underinsured motorist coverage to pay for the medical expenses and lost wages that can result from an accident with a driver without insurance, or with the minimum mandatory coverage. If you have been injured in an accident with either an uninsured or underinsured driver, contact a Tampa personal injury lawyer, who can investigate every option available to you. You may yourself have coverage under various policies, including homeowner or PIP insurance that allow you to get compensated if you are injured by an underinsured or uninsured driver.
Accessing Compensation for Your Injuries
Each claim has unique circumstances, and you deserve to recover the maximum possible, based upon your individual situation. If hazardous road conditions contributed to the accident, you may have a valid claim against the municipality or other party, based upon the location of the accident. If the uninsured driver was driving under the influence of alcohol, those who sold the alcohol or served him or her may be held responsible. Faulty auto parts can allow for a suit against the manufacturer if any auto part or system failed and was a contributing factor in the accident. Your own insurance policies may have more compensation available and fully reviewing all of your insurance policies can assist in determining how to proceed in your case.
The Florida Financial Responsibility Law makes it mandatory that every driver carries insurance for bodily injury and property damage. It is imperative that any accident is reported to law enforcement, even if the individual offers to pay you the costs you incurred directly. If you are in an accident, ensure that the police officer making the accident report records the insurance information, and that you report the incident to your insurance company immediately. In very serious injury accidents, you are best served by having the firm handle all of these issues for you, including the filing of claims from your own policies. The firm can investigate all possible insurance policies and pursue compensation on your behalf. As settlements for damages are accepted on your own discretion, it is crucial that you do not sign any releases from any insurance company without consulting with a legal professional from the Florida Law Group.