Clearwater Uninsured Motorists Collision Attorney
Everybody knows they are required by law to carry automobile insurance in order to drive, but not everybody does it. In fact, in the state of Florida nearly 20% of drivers on the road at any given time are uninsured. This means that if you are involved in a car accident, the odds are one in five that the driver who hit you was not insured. Who pays for your damages when you are hit by an uninsured driver?
Your own Personal Injury Protection (PIP) insurance policy will provide no-fault benefits when you are in an accident. But PIP only covers a portion of your medical expenses and lost wages. Sometimes the damages are far greater than what is covered by PIP. In these cases, the other driver’s Bodily Injury Liability (BI) may be used to cover the difference. But what if the driver does not have any BIL coverage? Because though it may surprise you, BI coverage is not required. Contact an experienced Clearwater uninsured motorists attorney today.
Uninsured Motorist (UM) Coverage
If you were smart when you purchased your insurance, you may also have uninsured motorist (UM) coverage. With UM coverage, you can file a claim with your own insurance for damage done by an uninsured driver that has no BI coverage. UM can also compensate you when you are in a hit and run and do not know the identity of the car or driver who hit you. UM coverage will cover present and future medical expenses, present and future lost wages, and so-called “non-economic damages” such as pain and suffering, disability, and loss of ability to enjoy life.
Underinsured Motorist (UIM) Coverage
Uninsured motorist coverage also includes underinsured motorist (UIM) coverage. UIM covers losses which are over and above the at fault drivers BI limits.
Check Your Auto Liability Insurance Policy for UM/UIM Coverage
You insurance company is required to offer UM/UIM coverage when you sign up for liability coverage, but you are not required to accept it. Some people reject UM/UIM coverage to save a few dollars on their premiums, but given the number of uninsured drivers on the road, UM/UIM coverage is well worth the small added expense. It is recommended that you purchase the same amount of UM coverage as your BIL limit.
Experienced Car Accident Attorneys for Accidents Caused by Uninsured Motorists
Part of the service provided by Attorney Mike Walker and his legal team is to determine all coverages that may be available to you for your accident.
Whether you are dealing with the other driver’s insurance company or your own, remember that your interests and the insurance company’s interests are different. You want to be fully compensated for your injuries and damages; they want to pay as little as possible. Make sure you are well-represented by experienced and successful personal injury attorneys in any dealings with the insurance company so that you will not be taken advantage of and paid less than you are owed. In Clearwater, call Mike Walker Law at 727-797-2020 for assistance an experienced Clearwater uninsured motorist attorney.