In An Accident In Florida? No Insurance? We Can Help.
If you were in an accident with an uninsured driver, you may still collect compensation for your losses. Under Florida law, almost all individual drivers can legally drive without having bodily injury liability insurance coverage.
Bodily injury insurance coverage (BI) is the type of coverage that pays for another person’s injuries if you are at fault in an accident. However, Florida law only requires that most drivers have property damage liability coverage (PD) and personal injury protection coverage (PIP). Unfortunately, those who elect to carry the minimum coverage allowed by law are also very often the most irresponsible drivers and cause crashes.
When Insurance Coverage Is Insufficient For Your Injuries
Additionally, many drivers who do have BI coverage, carry very small limits which are inadequate to compensate an injured victim for his or her damages. For this reason, insurance companies are required to offer all Florida citizens uninsured/underinsured motorist coverage (UIM). Insurance companies are also required to obtain a signed rejection of UIM coverage, and the failure to do so results in automatic placement of the coverage.
If you have been the victim of an accident in which the other driver did not have insurance or did not have enough insurance to cover the injuries that you suffered, you need the help of an experienced car accident attorney.
Pursuing Uninsured Motorist Claim For Panama City Accident Victims
At Walborsky & Bradley, PLLC, in Panama City, we focus our attention on handling uninsured/underinsured motorist accidents, as well as other motor vehicle accident and personal injury cases. Our concentration in these areas gives us insight that helps us confidently handle all insurance-related matters. By hiring us to stand up for your rights and take on the corporate insurance companies, you will be able to focus on your recovery.
What Is Uninsured/Underinsured Motorist Coverage?
- Uninsured/underinsured motorist coverage (UM/UIM) is a type of insurance coverage that you hold as part of your own auto insurance coverage. This coverage is designed to compensate you if you are involved in an accident that is caused by an uninsured or underinsured driver. The compensation can cover your medical bills, lost wages and other damages caused by the accident.
- All Florida insurance policies include UM/UIM coverage, unless you have specifically rejected it. Regardless of how it appears on your policy, if you do have it, your insurance company is obligated to cover you when an accident is the result of an underinsured or uninsured motorist’s negligence.
- Even though you may have been faithfully paying your auto insurance premiums for years, all too often, insurance companies are unwilling to fairly compensate people for their damages. Our lawyers do not back down from even the largest insurance company. We provide our clients with tailored, powerful advocacy throughout the entirety of the case to ensure they get the compensation they deserve.