A Conversation With Your Lowman Law Firm Car Accident Lawyers

What Happens If I Am Hit By An Uninsured Driver?

Traffic law and personal injury law in Florida can be complex. It can be made even more so if you are hit and/or injured by an uninsured or underinsured driver. Every case is different. That’s why it is extremely important that you schedule a free consultation with LLF car accident lawyers to discuss the unique details of your accident. The information you’ll read here is for general purposes only, to give you an idea of how Florida law considers automobile accidents.

Uninsured And Underinsured Motorist Coverage

Uninsured or underinsured motorist coverage (UM) is automobile (or motorcycle) insurance coverage that you buy for yourself in the event of an accident. The purpose of UM coverage is to protect yourself from a potential at-fault driver either has no insurance or not enough insurance. Though it is illegal, many drivers in the state of Florida do not have any insurance at all.  Others may purchase the absolute minimum coverage to stay “legal” according to Florida laws, risking that their insurance does not include bodily injury liability coverage (BI). 

Although Florida law states that a driver may have his or her driver’s license suspended if they cannot cover damages exceeding $10,000.00 after an accident, many car accident lawyers, insurance agents and their companies and law enforcement organizations recommend that you purchase UM coverage.  Without your own UM coverage, you might be left without any way to obtain payment for the medical expenses due to physical injuries and potential post-traumatic stress disorder (PTSD) or other psychological issues, pain and suffering, lost wages, loss of earning capacity and other inconveniences that you have suffered.  If you or someone you know has been injured by an uninsured or underinsured motorist in a car accident and needs a lawyer, schedule a free consultation with the car accident attorneys at Lowman Law firm for more information regarding your potential claim, including how to possibly cover yourself for the above mentioned consequences of your accident.

In today’s complex legal environment, it is usually in your best interest to hire experienced car accident lawyers like those at LLF.

A Few Words On Uninsured Accident Cases From Your Car Accident Lawyers At Lowman

UM cases are sometimes more complex than a normal liability case against a possible at-fault driver. Sometimes, your insurance company will contend that they have not denied your claim but, instead, do not value the claim in the same way you do. Your insurance company has a duty to act fairly and honestly while settling your claim. In these cases, there are several options car accident lawyers have, including filing a Civil Remedy Notice of Insurer Violation with the Florida Department of Financial Services.  In certain cases, the Department of Financial Services may fine or otherwise penalize the insurance company for denying your claim. 

It’s VITAL For You To Schedule A Free Consultation With An Experienced Car Accident Attorney

As you can see from the above examples of UM cases, you have to look out for your own self-interest. After all, despite their claims, many insurance companies do not do this. Instead, they’re looking out for their own self-interest. It’s critical that you hire car accident lawyers who have experience dealing with insurance companies who are very familiar with the loopholes they often attempt to exploit.