Have you been hit by someone who doesn’t have enough insurance coverage to compensate you for your auto accident damages—or any insurance at all? If so, you may be eligible to file an uninsured or underinsured motorist (UM/UIM) claim with your own insurance, to get the help you should receive from the at-fault driver.
Finding insurance coverage to take care of your needs when hit by an uninsured or underinsured driver can be difficult, and receiving the help you need more so. Filing a UM/UIM claim requires you to have this coverage, which is optional, included in your insurance policy. You must also be able to prove that you were not responsible for your accident by establishing the liability of another party. Our attorneys can help investigate your accident and file a claim for the compensation you need. Especially if you’ve been badly injured, the outcome of your insurance claim could have a large impact on your future.
Get the help you need if you were hit by an uninsured or underinsured driver. Call us today at to schedule a free consultation.
You must have UM/UIM coverage specifically listed in your insurance policy to file a UM/UIM claim. If you are not paying for such coverage, your insurance will not pay for any damages beyond what is included in your PIP policy, even if the other driver has no insurance at all. Insurance contracts can be tricky to understand, so if you’re not sure what coverage you have, our attorneys can help you determine what you may be eligible for. Or, you can always call your insurance agent for clarification as well.
If you are eligible, and you need to file such a claim, do not attempt to do so without the skilled counsel of a 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. Whether you are looking for additional help beyond the at-fault party’s insufficient policy, or the driver who injured you had no insurance at all, we know the next steps to take to help your claim.
Insurance companies can be very tricky when it comes to UIM claims. Even when you have UIM coverage under your policy, your insurance company may try to avoid a payout by telling you that your accident is not covered. The best way to ensure that your UIM claim is not rejected is to hire a personal injury attorney who has the experience and skill to help you gather evidence and prove beyond a doubt that your accident is covered by your insurance.
We can also watch out for attempts to unfairly pin blame on your or minimize your suffering after an accident. Insurance adjusters often use unfair tactics to reduce the amount they owe injury victims. Our lawyers have sufficient experience handling insurance claims to avoid these traps and come into negotiations in a strong position.
Florida has one of the highest rates of uninsured drivers in the nation. Although personal injury protection (PIP) is mandatory in our state, the minimum policy limit is rarely sufficient to cover one’s actual losses in a car accident. Bodily injury coverage, which pays for medical bills, lost wages, and pain and suffering, is not required for all motorists, so it is not a good idea to rely on other drivers’ insurance to help out in a wreck.
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. It can help if:
Each lawyer at our firm provides exceptional communication and individual attention throughout the legal process. We are available to take your call anytime 24/7 and always respond to client communications within one day—even on holidays. Our goal is to build the strongest possible attorney-client relationship so you always know exactly what is being done to handle your case, and so you can have confidence in your representation.
Trying to find compensation after a car accident can be difficult, especially when the other driver doesn’t have the insurance to pay for your needs. Let our attorneys take on the work for you, so you can focus on healing. Reach out today to learn how we can help you start your case.
Set up your free case evaluation by calling our Fort Lauderdale office at . Our accident attorneys are well-equipped to provide guidance in your uninsured or underinsured motorist claim.
