Uninsured Motorist Claims
We expect that when another driver operates his or her car in a careless manner and collides with us in a Florida car accident, that the driver’s car insurance will pay for the expenses and losses that we suffer. After all, few drivers involved in car accidents are able to afford to pay the expenses associated with a serious car accident out of their own pocket. If you have been injured by someone who does not have insurance (or not enough insurance), contact our Uninsured Motorist Claims Attorneys today.
In addition to auto insurance with personal injury and bodily injury coverage, Florida residents may also carry uninsured motorist coverage (sometimes abbreviated as UM coverage). Florida has one of the highest rates of uninsured motorists in the nation: some estimates say almost 25 percent of all Florida drivers are uninsured, and a number of other drivers may be underinsured. Without uninsured motorist coverage, a collision with an uninsured or underinsured driver can leave you having to foot the bill for your medical treatment and other losses – even if you were not at fault in the accident.How Uninsured Motorist Coverage Works
When you are involved in a car crash with an uninsured or underinsured motorist and suffer injuries, uninsured motorist coverage is intended to compensate you for injuries and losses suffered as a result of the collision. Before a UM policy will pay compensation under the policy, however, it must be shown that the uninsured or underinsured driver was at fault in the accident.Why Contact Our Uninsured Motorist Claims Attorneys?
Like any other insurer, your UM insurance policy carrier makes a profit when it collects more in premium payments than it pays out for claims. As a result, UM insurance companies may challenge a claim for compensation. The insurer may challenge your UM claim by:
- Disputing fault: The insurer may claim that you played a role – even a primary role – in causing the accident that resulted in your injuries. If you are found to have contributed to the accident by driving carelessly yourself, you may find your claim is reduced or even denied as a result. This may require eyewitness testimony as well as testimony from an accident reconstructionist expert or other professionals to refute your insurer’s claim that you were at fault;
- Disputing the extent of your injuries: Alternatively, your insurer may claim that your injuries were not caused by the accident. Testimony by your medical doctor or treating physician(s) may be necessary in order to combat this.
Our South Florida Uninsured Motorist Claims Attorneys have experience in handling UM claims on behalf of motorists injured by uninsured or underinsured motorists. Our attorneys will fight aggressively on your behalf following an uninsured motorist crash to assist you in obtaining the compensation that you need and deserve. Don't hesitate to give Englander Peebles a call today for a free consultation.