Experienced Legal Help with Uninsured and Underinsured Motorist Claims in Florida
If you have been injured by an uninsured or underinsured driver, what are your options?
Under Florida’s uninsured motorist law, your own liability insurance policy provides you with the opportunity to have uninsured motorist (UM) vehicle coverage that is equal to your own bodily liability coverage, unless you specifically reject that coverage. At the AV® rated law firm of Baker & Baker in Pensacola, we help you use your own insurance to cover medical bills, lost wages and other expenses associated with a car accident injury.
Making UM insurance work for you
Florida’s legislature enacted the UM law to make sure that victims of car accidents get the same compensation to which they would have been entitled had the negligent driver been insured. This helps ensure that you are not stuck with bills you shouldn’t have to cover and can’t afford. It extends to injured drivers as well as any family members who are in the vehicle and may have also sustained injuries.
Drivers are considered uninsured when they have neither the insurance coverage nor the assets to allow you to recover your damages. Motorists also may be considered uninsured if they are self-insured, but lack sufficient coverage to cover your damages.
Drivers are considered underinsured when their liability coverage is insufficient to cover all your damages. For your UM policy to kick in, the underinsured motorists must first exhaust the limits of their own insurance coverage.
A UM policy also applies in the case of a hit-and-run accident.
While you may think that your own insurance company has your best interests at heart, it is a for-profit business and will try to lowball your claim — or even avoid paying it altogether. If you opted for UM insurance and are having problems with a claim, retain us as your car accident attorney in Pensacola. We will fight for your rights against your insurance company just as hard as we would against the negligent party’s insurer. You bought insurance so it would be there when you needed it. We make sure that it is.
Contact us to learn how we can help you with your UM claim
Find out how filing a UM claim can help you get the compensation you deserve for your car accident injury. To schedule a free consultation, please contact us online or call us at 850-316-8247.