Boca Raton Uninsured Motorist Accidents
According to one report, an alarming 26% of Florida drivers are uninsured—the highest rate in the nation! Their reasons vary, but some simply don’t believe they need coverage, whereas others cancel their coverage or stop paying premiums when money gets tight. Sadly, uninsured motorists can get into a wreck just as easily as someone with the necessary coverage.
If you were hit by an uninsured motorist, you might struggle to get your medical bills and other losses covered. Florida’s “no fault” insurance scheme does not make it easy on innocent victims to get the compensation they deserve, so please call Hersh Kirtman Injury Law today to schedule a consultation. We will work with you to find ways to recover fair compensation for the losses you suffered in a crash with an uninsured driver or underinsured driver.
Florida drivers are not required to carry bodily injury liability insurance that allows you to recover fair compensation when an at-fault driver injures you. Uninsured and underinsured drivers who drive negligently and injure others frequently leave the injured parties without any source of financial recovery to pay for care and treatment related to the injuries they suffered, or to make up for lost income due to an inability to work. This is why it’s so important to carry uninsured/underinsured motorist (“UM”) coverage. UM protects you if you are injured in a crash caused by an uninsured driver, or if your injuries were caused by a driver whose bodily injury liability coverage is less than the value of the damages caused to you.
In many cases where the driver who injures you has no bodily injury coverage, you may not be able to recover any compensation as part of a settlement and you could end up having to pay for a large portion of the expensive medical bills that were caused by someone else’s fault. If you elect to carry UM, however, you may be able to recover compensation up to the limits of your UM coverage to help ease at least some of the financial burden that comes with being involved in a crash.
Speak with Our Boca Raton Uninsured Motorist Attorney
Many crash victims face headaches getting uninsured and underinsured claims paid despite having uninsured and underinsured coverage. Even though they pay the premiums for their uninsured/underinsured motorist policy, many insurers reject claims, often for no valid reason, or otherwise find reasons to undercompensate their insureds. Claims against insurance companies for uninsured/underinsured coverage are different than claims against individuals or companies who negligently caused harm. There are various requirements that must be met to bring a claim against your uninsured/underinsured motorist carrier and having an attorney with knowledge and experience relating to those laws is important.
Florida has laws that impose various duties and obligations on insurers. When insurers do not comply with their duties and obligations, they might be found to have committed “bad faith.” This could result in the insurer having to pay more than the policy limits. There are additionally various requirements that must be met to hold an uninsured/underinsured motorist carrier responsible for bad faith dealings or conduct. Having an attorney experienced and knowledgeable about these additional requirements is also important.
At Hersh Kirtman Injury Law, we hold insurers to their obligations and demand that they meet the duties they owe to their insureds. Our legal team has the experience necessary to help our clients get their claims approved. We gather the necessary evidence of fault, know how best to present it to your insurer, and take the steps necessary to hold your insurer responsible if it fails to meet its obligations. To speak with a member of our team, call or send us an email.