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Why You Need Uninsured/Underinsured Motorist Coverage

In the state of Florida, all drivers are legally required to carry PIP inusrance 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

Please contact The Grife Law Firm today to schedule your free car accident consultation. Mr. Grife serves clients in Boca Raton, Boynton Beach, Delray Beach, Deerfield Beach, and throughout Florida.