Car Accident Lawyer in Miami Discusses Uninsured and Underinsured Auto Accident Insurance Claims

If you’re dealing with an auto accident insurance claim involving an underinsured or uninsured driver, you may be wondering how to get your lawyer to get a fair settlement from a car accident in Miami, Florida. This is a serious concern in the state of Florida; in fact, according to the Sun-Sentinel, South Florida has been cracking down on uninsured motorists. On one occasion, a Broward deputy pulled over 11 drivers within a few hours and found that two of them had no proof of insurance.

Auto Accident Insurance Claims Compensation

You may be able to better protect yourself from uninsured drivers, as well as underinsured drivers who do not carry enough insurance to cover damages, by purchasing uninsured and underinsured motorist coverage. The reality is that you never know if the other driver will carry insurance or if it will be enough to cover medical expenses, repairs, etc.

Even though Florida requires drivers to carry certain minimum liability insurance, some allow their policies to lapse, and others choose to risk it by not purchasing insurance altogether to save money or if they cannot afford it. Uninsured motorist coverage can pay for your injuries up to the limits of your policy if you are involved in an accident with such a driver. It also can provide protection in the event you are injured in a hit-and-run accident.

If the other driver has met the minimum requirements but it is still much less than your medical bills, you could be left to take care of the difference. That difference, again depending on your policy limits, may be covered through underinsured motorist coverage.

So let’s say you are injured in a crash, and the other driver has the minimum of $10,000 in personal injury protection. But your medical bills have added up to $25,000. That means $15,000 of your expenses won’t be covered by that driver’s insurance. If you have at least $15,000 in underinsured motorist coverage, it will pay the remainder.

If you are in an accident and need to file a claim, speaking to an attorney can help you better understand how your lawyer may be able to get a fair settlement for the car accident in Miami.

Consulting a Car Accident Lawyer in Miami, Florida

Wondering how to get your lawyer to get a fair settlement from a car accident in Miami, Florida? There could be a lot at stake, especially if your injuries are severe. Set up a consultation with an attorney at Falk & Falk to go over your auto accident insurance claim – 1-305-279-0999.

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