In any kind of auto collision, it’s very important make sure you understand how you are covered, and from where compensation can be recovered. Usually, it’s the insurance company, but what happens when the person who causes a crash and injuries does not have insurance themselves? This is a serious concern, as a study conducted by the Insurance Research Council (IRC) determined that the percentage of uninsured motorists increased from 12.7% in 1999 to 14.6% in 2004 nationally. The Insurance Information Institute determined that in 2012, the percentage of uninsured motorists in Florida was 23.8%.
In Florida, it is highly recommended that drivers obtain uninsured motorist coverage (UM insurance). This is used to protect drivers when they are involved in a collision and the at-fault driver doesn’t have coverage from which you can seek compensation. At Givens Givens Sparks, our Tampa auto accident attorneys believe it is important for drivers to understand why uninsured motorist coverage is so important and how it can help protect you in the event of a collision. Even in cases where an at-fault motorist has coverage, their insurance may not cover your full expenses.
If you are injured in a crash involving an uninsured motorist, this type of coverage can help you cover the many expenses you may incur. Many drivers obtain bodily injury liability coverage, property damage coverage, and personal injury protection (PIP). These coverages are important for you to have and you can pick the limits on them, but PIP pays the injured driver up to $10,000 for immediate medical needs. PIP is required for drivers who are owners of a registered vehicle in the state. This may seem like a lot, but when you break down the various expenses, the coverage can be gone quickly.
You may have to deal with:
- Emergency transport
- Emergency room expenses
- Cost of surgery
- Medical bills
- Future treatment costs
- Lost wages
With so many costs to deal with after a collision, the $10,000 from PIP just isn’t enough. This is why it is necessary to make sure either the other driver has adequate coverage for bodily injury and property damage, or you have uninsured motorist coverage.
In the event of a crash with an uninsured motorist, you will most likely request reimbursement from your own insurance company to cover the costs even if the other person was at fault in the accident. Some big insurance companies may often focus on their own profits rather than trying to help their policyholders. They may even try to convince you that you don’t need uninsured motorist to help themselves save money.
Whether you are dealing with another driver who doesn’t have insurance or your own insurance company is denying your claim, you should reach out for legal help to take action on your behalf. By hiring a lawyer, you can help seek compensation from the responsible party and move towards a more favorable resolution. With so much on the line — such as your health, future medical treatments, and lost income — you can use the most help you can get.
Our Tampa car crash attorneys at Givens Givens Sparks are committed to protecting the rights of our clients in serious matters such as uninsured motorist insurance claims. We take the steps necessary to gather evidence for your case, putting together a strong strategy built on representing your best interests. Contact our firm today and learn what options you may have moving forward.