Insurance Claims Attorney Hollywood

Insurance Claims Attorney Near Me

What Happens if the Other Driver is Uninsured / Underinsured?

Being involved in a car accident in Hollywood is stressful enough, but the situation becomes significantly more complicated if the at-fault driver is uninsured or underinsured. In Florida, where minimum liability coverage is low, this scenario is unfortunately common. Understanding your options and how to pursue compensation in such cases is crucial, as it often relies on your own insurance policy.

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An uninsured motorist (UM) is a driver who has no bodily injury liability insurance, or whose insurance company denies coverage or is insolvent.

An underinsured motorist (UIM) is a driver who has liability insurance, but their policy limits are insufficient to cover the full extent of your damages. Given the high cost of medical care and other losses after a serious accident, minimum coverage often falls far short.

If you carry Uninsured/Underinsured Motorist (UM/UIM) coverage on your own policy, this is typically your primary recourse. UM/UIM coverage is designed to step in and pay for your medical bills, lost wages, pain and suffering, and other damages up to your policy limits, as if the at-fault driver had sufficient insurance. While this coverage is purchased from your own insurer, dealing with a UM/UIM claim can be as adversarial as dealing with a third-party insurance company, as your own insurer now has a financial interest in minimizing your payout.

Without UM/UIM coverage, your options become more limited. You might have to rely solely on your Personal Injury Protection (PIP) benefits, which are often insufficient for serious injuries. You could also attempt to sue the at-fault driver directly, but if they have no assets, collecting a judgment can be difficult or impossible.

Florida Advocates has 26 combined years of experience fighting for policyholders against insurance companies, recovering over $100 million for our clients. Our seasoned insurance dispute lawyers, many of whom are former insurance company attorneys, understand the intricacies of UM/UIM claims and how to defend our clients against unscrupulous insurance company tactics, even when it’s your own insurer. We are dedicated to ensuring the best recovery for our clients by leveraging our in-depth knowledge and expertise.

Hit by an uninsured or underinsured driver in Hollywood? Don’t despair. Our attorneys can explore your options and fight for the compensation you deserve. Reach out for a consultation at 754-290-3803. Protect yourself from underinsured motorists. Discuss your Hollywood accident with a specialized attorney at no charge.