Hit by an Uninsured Motorist?
When your insurance policy features uninsured/underinsured motorist (UM) protection, it means that your insurance will cover the cost of any damage that an at-fault motorist who is uninsured or underinsured causes, as well as drivers that cannot be located after an accident.
Because many people do not know their insurance policy’s full range of coverage, it is easy for insurance policies to deny some claims, even if they have merit. In the incident of an accident caused by an uninsured/underinsured motorist, the attorneys at Doran, Beam & Farrell will work hard to make sure that insurance companies accept our clients’ claims to the fullest possible extent.
Uninsured Motorist Coverage in Florida
Florida law may require all drivers to insure their cars, but this doesn’t mean that every car will be insured. Some drivers will choose to risk driving without insurance and other drivers purchase an inadequate amount of insurance to cover the medical and property damage costs of accident victims. The law also does not require that drivers carry UM policies, but it is highly encouraged that they do.
If you or a loved one suffers from a major injury as a result of an accident caused by an uninsured/underinsured motorist, any medical coverage your insurance policy has is likely to dry up quickly. Our staff is trained to help you find other means of covering these heavy costs. One way we do this is by examining how various policies you have (such as health care coverage and UM insurance) can work together to optimize your benefits.
Optimizing Your Benefits
You may fall victim to an uninsured/underinsured motorist even if you’re not in your car. Some coverage can extend to pedestrian, bicyclist or motorcyclist accidents. Hit-and-run accidents can also be covered, as can those incurred when a driver not listed under your policy is driving your insured car at the time of an accident. These are all options that should be discuss upon purchasing your auto insurance policy.
If you were involved in an accident with an underinsured/uninsured motorist, it is important that you talk to a legal professional before making an injury claim. This will ensure that you get the most out of your Florida UM policy.
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