Ft. Lauderdale Uninsured Motorist Claims

What is an uninsured motorist (UM) claim?

No one ever expects to get into a car accident, but it can only get worse when the responsible party has no insurance to cover the damages. In cases such as this, you may be eligible to file an uninsured motorist (UM) claim so that your own insurance company is required to compensate you for any injury or other damages. As long as you were not responsible for your accident in any way and you are able to establish liability for another party, you should be eligible for a UM claim.

Can I File an Uninsured Motorist Claim?

You must have UM coverage specifically listed in your own insurance policy. If you are not paying for such coverage, you cannot file a claim to have your insurance cover the damages after you are hit by an uninsured driver.

If you are eligible, however, and you need to file such a claim, do not attempt to do so without the knowledgeable and skilled counsel of a Fort Lauderdale car accident attorney. Our legal team can provide the advice and representation you need to take on the insurance companies and obtain full compensation for your car accident injuries, even when the other motorists was not insured.

Do I Need Florida UM coverage?

Florida has one of the highest rates of uninsured drivers in the nation. Althouogh personal injury protection (PIP) is mandatory in the state, the amount of coverage provided is rarely sufficient to cover one's actual losses in a car accident. Bodily injury coverage - which pays for medical bils, lost wages, and pain and suffering - is not required for all motorists, so it is not a good idea to rely on other drivers to have this coverage. This is why having uninsured motorist coverage is important. Uninsured or underinsured motorist insurance can give you peace of mind knowing you are covered in many different scenarios that are out of your control.

Having uninsured/underinsured motorist coverage is useful in these situations:

  • You are hit by a driver with no insurance
  • You are hit by a driver with inadequate coverage
  • You are injured in a hit and run accident
  • You are seriously injured and do not have medical insurance

Contact a Fort Lauderdale Car Accident Attorney - Free Consultation

For the past 40 years, Rosenberg & Rosenberg, P.A. has provided Fort Lauderdale residents with skilled and attentive legal representation. We have handled all types of personal injury cases, from car accidents and motorcycle accidents, to truck collisions and wrongful death. We provide each client with the attention and communication they deserve in order to ensure that they are confident in their counsel and legal representation.

Your initial consultation is free, so we encourage you to contact us today to set up an appointment.

Contact Rosenberg & Rosenberg Today

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