Uninsured Underinsured Motorist Coverage in Florida
In the state of Florida, all drivers are legally required to carry PIP insurance for their own medical bills but not Bodily Injury liability insurance for damages to other people. There are many people who either don’t have any Bodily Injury insurance at all or don’t have sufficient coverage to fully compensate another driver for injuries when they cause a car accident. If you are seriously injured in an accident caused by one of these uninsured or underinsured drivers, you may have limited access to compensation for your damages.
After being injured by an uninsured or underinsured motorist, you may be able to file a claim with your own insurance carrier, but depending on the terms of your policy, this may not fully cover all of your expenses associated with the car accident.
In these situations, it is extremely important to work with an experienced car accident attorney who can help you pursue every possible means of compensation. With nearly a decade of experience handling uninsured/underinsured motorist car accident claims, Michael K. Grife can ensure your rights are protected every step of the way.
If you have been injured in a car accident caused by an uninsured or underinsured motorist, please call 561-998-0770 today to schedule a free consultation with Mr. Grife at his Boca Raton office.
The Importance of Uninsured / Underinsured Motorist Coverage
There are a lot of people in Florida who are transient or new to the country, and they often do not know what types of insurance coverage they must have. As a result, many of these people either don’t have auto insurance at all or fail to carry sufficient coverage.
If you are injured in a car accident caused by a driver who doesn’t have bodily injury coverage on their insurance policy, your case may not be worth anything. Even if you secure a $1 million judgment, it can’t be recovered if the person doesn’t have enough money to make good on the damage award.
To guard against this problem, it is extremely important to carry uninsured/underinsured motorist coverage as part of your auto policy. While uninsured/underinsured motorist coverage isn’t required in Florida, it is an important protection that can be added to your policy for a very small cost.
What is Uninsured / Underinsured Motorist Coverage?
Uninsured/underinsured motorist coverage provides you with a safety net so that you can recover compensation if the at-fault driver’s policy isn’t sufficient to cover your damages. Your uninsured/underinsured motorist coverage will provide you with benefits when:
- The at-fault driver doesn’t have insurance
- Your damages exceed the limits of the at-fault driver’s coverage
- Your are injured in a hit-and-run car accident
Once the at-fault driver’s coverage has been exhausted, your uninsured/underinsured motorist coverage will pay the difference up to the limits of the coverage in your policy. Therefore, you should always carry the maximum allowable uninsured/underinsured motorist coverage offered by your insurance carrier.
Michael Grife can Help
Regardless of the terms of your auto insurance policy, Mr. Grife can help you maximize your compensation after being injured by an uninsured or underinsured motorist. He will aggressively pursue all avenues of compensation available to you, including:
- Recovering the maximum allowable benefits from the at-fault driver’s insurance
- Supplementing these damages through your uninsured/underinsured motorist coverage
- Filing a personal injury claim against the at-fault driver to recover any additional damages not paid for by insurance
Turn To A Boca Raton Why You Need Uninsured Underinsured Motorist Coverage Attorney At The Grife Law Firm
No Fees Unless You WinIf you have been injured because of someone else’s careless actions on the water, you should contact a Boca Raton boat accident attorney at The Grife Law Firm to find out more about your legal options. We assist injured individuals throughout Broward and Miami-Dade Counties, including in West Palm Beach, Fort Lauderdale, and Miami. Call us at 855-998-0770 or contact us online to schedule a free initial consultation. We also are available to assist people who need a cruise ship accident attorney when they are injured on vacation.
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