Uninsured & Underinsured Motorist Accidents

tiny red toy care on insurance policy

Florida has one of the highest uninsured motorist populations in the country. Despite state laws requiring drivers to maintain minimal auto insurance covering personal injury or property damage, many drivers simply ignore this obligation.

Even if drivers have the minimum required coverage, the benefits frequently will not be enough to adequately cover all of the medical expenses and other costs associated with an accident. This situation places an unfair financial burden on innocent victims.

Even if drivers do have the minimum required coverage, the benefits frequently will not be enough to adequately cover all of the medical expenses and other costs associated with an accident. This situation places an unfair financial burden on innocent victims.

At Heintz Law, our car accident attorneys believe that auto accident victims should not be forced to pay for the negligence or carelessness of other drivers.

If you were injured in an auto accident with an underinsured or uninsured motorist, we can help. Contact our firm to schedule a free, no-obligation appointment with one of car accident lawyers in Bradenton or Sarasota.

Why Your Own Auto Insurance Coverage May Not Be Enough

You may be able to pursue a claim with your own insurance company. However, you may find that your insurance company is more concerned about its bottom line than your needs. Your insurer will work to minimize its financial culpability.

Even with personal injury protection (PIP) coverage, known as no-fault insurance, the benefits may not cover serious injuries. Before you find your insurance claim is delayed, underpaid or wrongfully denied, we encourage you to speak with one of our auto accident attorneys. We can help you overcome the obstacles preventing you from securing the compensation to which you are entitled.

Are you a gambler?
Well, if you drive in Florida, the answer is probably yes, because
You are certainly gambling that any driver who hits you has insurance
Florida is one of only two states that doesn’t require
Drivers to carry coverage that pays for the injuries or death they cause.
A serious car accident can not only wreck your vehicle, it can wreck your life! Even if you have medical coverage, you may still
Face huge recovery bills, and if the at-fault driver is uninsured
It can be financially devastating.
Bodily injury insurance is not a requirement in Florida- but it
Should be, says personal injury attorney Steve Heintz who serves clients in the bradenton- sarasota area.
Florida’s pip, or personal injury protection, will only pay out up to
10 thousand dollars after a crash, regardless of who is at fault.
Once again, this legislative session, Florida lawmakers will consider repealing pip in favor of mandatory bodily injury of 25-k per person.
The Heintz Law firm urges you not to take chances. Make sure you have bodily injury and uninsured motorist protection.
[ contact info: 941 748 2916 / heintzlaw.Com]
And when you are injured by someone else’s negligence let them help you. Call Heintz Law at 941 748 2916 or visit www.heintzlaw.com

Helping You with Your Uninsured Motorist Claims

If you have been involved in an accident with an uninsured motorist, you may be able to recoup expenses through uninsured motorist coverage.

Uninsured motorist coverage pays for many of the things that the other person’s insurance would have paid if it existed. You may be entitled to compensation for:

  • Medical bills and rehabilitation costs
  • Lost wages
  • Pain and suffering, and disfigurement
  • Emotional distress
  • Loss of future earning capacity

There are some things that uninsured motorist coverage may not cover, including:

  • Property damage (unless you also have collision coverage)
  • Punitive damages

Underinsured Motorist Claims

Underinsured motorist coverage is not the same as uninsured motorist coverage. Underinsured motorist coverage applies when the person who caused your accident has insurance but the limits aren’t high enough to compensate you fully for your losses.

Florida requires that all automobile policies offer underinsured motorist benefits. This means that your own policy may pay the amount necessary to fully compensate you for your injuries over and above the amount paid by the at-fault party. Your insurance carrier then has the right to sue the underinsured driver to get the money back.

Contact Our Florida Car Accident Attorneys To Schedule A Free Consultation

We understand the complexities of underinsured motorist law and the processes involved in pursuing a claim. We frequently obtain underinsured motorist settlements in cases in which the insurance company claims there is no underinsured coverage.

To schedule a free, no-obligation consultation with one of our car accident attorneys in Bradenton or Sarasota, call us today at 941-748-2916.

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