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Uninsured Motorists Claims

Hit by an Uninsured Driver in Florida?

two men arguing and gesturing to wrecked cars​In Florida, drivers are required to carry auto insurance. The mandatory minimum is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL).

Because Florida uses a no-fault system for auto insurance, PIP covers the driver and any passengers in his or her vehicle in the event of an accident, regardless of who was at fault in causing the collision. Drivers are not required to carry insurance that covers bodily injury to another person.

In the event that a car accident victim is seriously injured, however, he or she may have grounds to sue the at-fault driver for additional damages, beyond what his or her own policy will cover.

Do I Need Uninsured Motorist Insurance in Florida?

Although Florida law requires vehicle owners to carry PIP/PDL insurance, you are not required to hold uninsured motorist coverage. However, it is estimated that up to 20% of drivers drive without insurance coverage, which gives ample reason to consider including uninsured driver coverage in your insurance plan.

If you've been involved in a car accident with an uninsured or underinsured driver, it is important to consider involving a Florida insurance attorney who can handle your case. I, Joshua Diamond, represent claimants, beneficiaries and policyholders in all types of insurance disputes and other matters related to their claims. I am committed to ensuring that insurance companies uphold their obligation to pay out claims in a fair and timely fashion.

Uninsured/Underinsured Motorist Coverage

In the event that you are injured in a hit and run accident or a collision with an uninsured motorist, your medical care, lost earnings and other losses or expenses should be covered.

What Does Uninsured Motorist Coverage Cover in Florida?

Uninsured Motorist Coverage helps to protect you in the event that you are hit by an uninsured motorist. This type of insurance does not cover damage to your car, but it does cover damage to you or other family members who may drive your car.

This type of insurance can help pay for any of the following:

  • Medical bills
  • Long-term care as a result of injuries
  • Lost wages and disability
  • Pain and suffering
  • Loss of quality of life
  • Medical devices (including wheelchairs and other recovery materials)
  • Replacement services if you are no longer able to render basic services such as yard work, cleaning, etc.

What Is Under-Insured Motorist Coverage?

Under-insured Motorist Coverage helps provide coverage if you are injured in an accident with a driver who does not have sufficient liability insurance to cover your damage or medical expenses.

As a policyholder who pays premiums to an insurance company, whether for PIP and/or uninsured motorist coverage, you have the right to expect to be treated fairly when it comes time to file a claim. Unfortunately, some insurers only seem interested in protecting their bottom line.

They may deny a valid claim, delay payment or offer a settlement that is unfairly low. The latter issue, low settlement offers, are typically the primary problem that claimants run into when seeking compensation after an auto accident. As an insurance claim attorney, I strive to assert my clients' rights in these matters, seeking a fair and swift outcome to their claim.

Florida Insurance Lawyer In Relentless Pursuit of Justice and Recompense

Looking for a lawyer for an uninsured motorist claim in Coral Gables, FL? If you have been injured and are trying to haggle and negotiate with the insurance company to get your claim paid, I may be able to offer invaluable assistance. I know how to deal with the big insurance companies, putting the necessary pressure on them to pay your claim fairly. If negotiations are unsuccessful, I am ready and willing to take my clients' cases to court.

Contact a Florida insurance attorney from my firm today by calling (888) 591-0233. My firm can help with a claim involving an uninsured driver or uninsured motorist coverage.

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