FL UM Claim Help

Florida Uninsured Motorist Claims

Our Florida UM claim lawyers have handled hundreds of uninsured and underinsured motorist coverage claims in Florida on behalf of car accident victims injured by a driver who had no insurance or not enough insurance to fully compensate them for the crash. If you were injured in Florida by a driver who had no insurance, call a Florida UM lawyer at the Law Offices of Jason Turchin today for a free consultation at 800-337-7755.

In Florida, motor vehicle drivers are not required to purchase uninsured motorist coverage, but it is still a wise idea to understand some of the important details about this type of insurance coverage. This is because a large number of accident victims each year in Florida are unable to receive the compensation they deserve as a result of not carrying an adequate amount of uninsured motorist coverage on their policy.

What Is Uninsured Motorist Insurance Coverage?

Uninsured motorist coverage in Florida is an optional coverage type that a person is able to purchase on their own motor vehicle policy. This type of insurance coverage is available for motorists as well as anyone who occupies the vehicle. Uninsured motorist coverage compensates for injuries caused by a motor vehicle accident when the driver is either not insured or is underinsured.

Uninsured motorist coverage, however, does not pay for damage to a vehicle. As a result, it is a wise idea to purchase collision coverage on a vehicle for damages caused by an uninsured motorist. Uninsured motorist coverage, however, does compensate for a number of things, including medical bills, lost wages, pain and suffering, and even for wrongful deaths.

Why Uninsured Motorist Coverage Is Important

If you are injured in a car accident by an uninsured or underinsured motor vehicle operator, you might be required to pay for your own injuries if you do not have adequate uninsured motorist coverage. When you carry uninsured motorist coverage, on the other hand, this coverage type compensates for a number of things, including lost wages, pain and suffering, and long-term medical care.

What Uninsured Motorist Coverage Is Available?

Drivers in Florida have the option to decide between no uninsured motorist coverage or selecting a limit for their insurance. A driver cannot select an uninsured motorist limit that is higher than the type of bodily injury liability limit selected by the driver. If a person wants uninsured motorist coverage higher than $50,000, the individual can purchase additional uninsured motorist coverage and may need to also opt for additional bodily injury coverage. On most policies, uninsured motorist coverages are reflected by two figures. In these representations, the first amount is the maximum amount that one individual can receive while the second number is the maximum amount available for all individuals injured in an accident.

The Difference Between Stacked and Unstacked Coverage

A motorist can select between unstacked and stacked uninsured motorist coverage. In the state of Florida, unstacked uninsured motorist coverage is less expensive than stacked coverage and applies when a person occupies a vehicle listed on their motor vehicle policy. Stacked uninsured motorist coverage, however, provides higher limits and is more comprehensive than unstacked uninsured motorist coverage.

Speak with an Experienced Florida Car Accident Attorney

Motor vehicle accidents and claims have the potential to be particularly serious when uninsured motorists are involved. As a result, it is often a wise idea to obtain the assistance of an experienced accident attorney if you or a loved one is impacted by an accident. Contact a FL car accident attorney with experience in UM claims at the Law Offices of Jason Turchin today to schedule an initial free case evaluation.