Automobile Accident Law: When an Uninsured Driver is at Fault for the Accident

Our Fort Lauderdale Accident Lawyer Team Will Explore All of Your Options.

Accidents on I-95 and Florida's Turnpike can lead to serious or fatal injuries. Although you may have insurance, the driver who hit you may not. If you are involved in an accident with an uninsured driver whose negligence caused the collision, you might be responsible for your medical bills. Asking a Fort Lauderdale automobile accident law firm to take legal action against an uninsured driver might get you nowhere because it's often the case that uninsured drivers lack the financial means to compensate their victims. 

The Benefits of Uninsured and Underinsured Motorist Coverage 

To avoid this kind of predicament, you should purchase uninsured and underinsured motorist coverage as part of your automobile insurance policy. These supplemental coverages will provide protection in the event that you are hit by an underinsured or uninsured driver. The accident will be covered as if the negligent party actually had insurance, but you'll be making the claim against your own motorist coverage. 

According to Floridalaw, whenever an insurance company sells you bodily injury coverage, they must inform you about uninsured and underinsured motorist coverage (UM). While bodily injury liability will protect your assets if you make a mistake and injure someone on the road, UM coverage will provide coverage based on your policy that you can depend on after an injury accident with a driver that does not or has little insurance to coverage your damages. UM coverage costs extra, but it's worth it when you think about all the uninsured drivers on Florida roads and the accidents that happen daily on I-95, for instance.

When Your Insurance Company Gives You Trouble

If you have UM coverage and you're having trouble getting your insurance company to pay for your medical bills, you should contact an automobile accident law firm in South Florida. A Fort Lauderdale accident lawyer can file a personal injury claim to get your insurance carrier to compensate you according to the limits of your policy. 

If the uninsured driver in the accident actually has liability insurance, but the limit is less than your UM coverage, your lawyer can file an additional claim for underinsured motorist benefits. This will be necessary if your damages exceed the limits of the negligent party's liability coverage. 

To maximize your compensation after you've been sidelined in an accident with an uninsured driver, you should hire a Fort Lauderdale automobile accident law firm to level the playing field with insurance companies. You should also have UM coverage. Now is a good time to review your policy to see if you're really fully covered. 

Contact a Fort Lauderdale Accident Lawyer

At The Law Offices of Wolf & Pravato, we understand the effect serious car accidents can have on victims as well as their families. If you have been injured or lost a loved one in a car accident caused by someone else's negligence, contact the Fort Lauderdale accident lawyer team at Wolf & Pravato today to learn how we can help – 1-800-428-3476. We also serve clients in West Palm Beach, Fort Myers and beyond.