If you are injured in a multi-vehicle accident, your first concern should be to get the medical care you need. The second concern will be ensuring that your injury will be covered under insurance. In most injury vehicle accidents, police will come to the scene, investigate and compile information on everyone involved, including insurance coverage. If the at-fault driver did not have insurance, you may wonder what your options are to have your injury expenses and property damage covered.
What Is Uninsured Motorist and Underinsured Motorist Coverage?
While driving without liability insurance is illegal in Florida, unfortunately, many individuals still flout this requirement. Even those with insurance often carry only the minimum required coverage, which may prove insufficient to cover the costs associated with a serious injury sustained in a car accident. In the event that you are injured and the at-fault driver either lacks adequate insurance coverage or is uninsured altogether, you may find yourself in a challenging situation. In such cases, you may need to resort to filing a claim against your own insurance policy to seek compensation for your injuries and losses. This process, known as filing an uninsured or underinsured motorist claim, can help bridge the gap between the damages incurred and the coverage available through your own insurance policy. It’s crucial to understand the intricacies of your insurance coverage and the options available to you in the event of an accident involving an uninsured or underinsured driver. Seeking guidance from a qualified legal professional can provide invaluable assistance in navigating the claims process and securing the compensation you rightfully deserve.
Fighting Your Insurance for an Uninsured Motorist Claim
Uninsured motorist (UM) and underinsured motorist (UIM) coverage are essential safeguards for drivers in Florida, though they remain optional. Having these provisions within your auto insurance policy constitutes a prudent investment, offering protection against potential financial setbacks resulting from accidents with uninsured or underinsured drivers. In the state of Florida, where a significant number of motorists either lack adequate insurance coverage or are entirely uninsured, UM and UIM coverage can prove invaluable. By carrying such coverage, you ensure that you have recourse in the event of a collision where the at-fault party lacks the necessary insurance to cover your damages fully. Nevertheless, navigating the claims process for uninsured or underinsured motorist incidents can be challenging. Insurance companies often seek to minimize payouts, aiming to settle claims for as little as possible. Therefore, it may be prudent to enlist the expertise of legal counsel to navigate the complexities of insurance negotiations effectively.
An experienced uninsured motorist lawsuit claims attorney from Ligori & Ligori can advocate on your behalf, helping you to maximize your settlement and explore all available avenues for compensation. From negotiating with your insurance provider to pursuing legal action if necessary, having knowledgeable legal representation can significantly enhance your chances of obtaining fair and adequate compensation for injuries and damages sustained in accidents involving uninsured or underinsured motorists.
If you have been injured in an uninsured or underinsured motorist accident in Florida, contact our team at Ligori & Ligori, Injury Lawyers. We will review all your options, including filing a claim against the at-fault driver, your insurance company, and any other parties that may be liable. Contact our office in Tampa, Orlando, Ocala, Lakeland or Key West to schedule a free consultation.
