Miami Car Accident Lawyer Jason Turchin HomeUninsured Motorist Claims
Uninsured Motorist Claims
Florida Uninsured Motorist (UM/UIM) Claim Attorneys
Our Florida car accident lawyers have handled hundreds of uninsured motorist (UM) and underinsured motorist (UIM) claims throughout Florida. If you need a UIM claim lawyer in Florida to help with a Florida uninsured or underinsured motorist coverage claim, call us at (800) 337-7755 for a free consultation.
When you are in a Florida motor vehicle accident and someone else is at fault, they are generally responsible to pay for part or all of your damages under the law. In the current economy, however, more and more drivers are not purchasing car insurance or can't afford to buy enough insurance to pay for someone else's injuries even if they cause an accident.
It is important to protect yourself in the event someone else causes an accident and doesn't have enough bodily injury coverage or doesn't have any bodily injury coverage at all. If you were hit by an uninsured driver or underinsured driver and have this coverage on your policy, call us for a free consultation to see how we can help with your Florida UM claim. You can reach us at (800) 337-7755 for a free consultation.
What is Uninsured Motorist Coverage and When Does it Apply?
Uninsured motorist coverage can help protect you when the person who causes the accident in which you are hurt either has no insurance or no bodily injury coverage. It can help pay for things like outstanding medical bills and pain and suffering.
Let’s say that you have GEICO as your insurance company and have UM coverage on your GEICO policy. You are rear ended at a traffic light in Miami and get hurt. The person who caused the accident has no insurance, so he or she is uninsured. Your own Florida car insurance policy with GEICO will generally pay for the first $10,000 of your medical expenses at 80% under your Personal Injury Protection (PIP) coverage. The remaining balance may be paid through your UM coverage, as well as an additional amount for pain and suffering if you have any permanent injury, as well as other possible damages.
GEICO may decide to go after the at-fault person to get their money back in a process called “subrogation”. You generally don’t need to worry about this, as the insurance company typically handles this through their own internal subrogation department. You can still settle your case without dealing with the subrogation portion.
What’s the Difference Between Uninsured Motorist Coverage and Underinsured Motorist Coverage?
You should be protected under uninsured motorist coverage in the event that an at-fault driver does not carry liability insurance. When an at-fault driver does have liability limits, but they are too low to cover the damage to your vehicle or your medical expenses, underinsured motorist coverage will cover any excess expenses, subject to the limits you choose when you purchase your insurance.
What if I did not purchase Florida underinsured or uninsured motorist coverage and the at-fault person had no coverage?
You may still qualify for UM/UIM coverage even if you didn't purchase this coverage. Florida law requires that your own insurance company offer this coverage to you. If they don't do it properly, they could be held responsible to give you this coverage under the law without any additional cost to you at an amount equal to your bodily injury coverage.
Jason Turchin has handled many uninsured and underinsured motorist claims and is happy to talk to you more to see how we can help with your claim. Insurance companies have adjusters on their side. It is important to have someone fighting for your rights on your side. For a free consultation, call us at (800) 337-7755 or submit a free online inquiry form.
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