Uninsured Motorist Coverage
Naples Car Accident Attorney Providing Legal Insight – (239) 309-7550
Florida law requires that all drivers purchase car insurance before heading out on public roads. However, an estimated 12% of all drivers in the country are driving uninsured and illegally. If you get struck by one, or if you already have been hurt by an uninsured motorist, do you know what to do?
For any car accident case that requires a legal professional’s attention, you can rely on Naples personal injury lawyer, Ryan Kuhl. He has handled hundreds of cases and has earned Board Certification in Civil Trial law by the Florida Bar, a distinction held by just 1% of all attorneys in the state. Contact our office to learn how he can help you with your uninsured motorist claim.
Florida’s No-Fault Car Insurance Laws
Florida is one of a few states in the country that has “no-fault” car insurance rules. After almost any sort of car crash, the damages suffered by each driver are covered by his or her own insurance provider; this system is contrary to a liability-based insurance law system that requires drivers or their insurers to pay for portions of damages based on an equivalent percentage of established liability. The no-fault insurance rules of Florida are meant, in part, to keep lawsuits for minor injury claims out of the court system.
If you are struck by an uninsured or underinsured motorist in Florida, your own insurance coverage should take care of your damages by “standing in the shoes” of the at-fault driver. However, UM coverage is not required under Florida law, so it must have been purchased and in place at the time of an accident. Sometimes people who believe they have “full coverage” are surprised to learn that they do not carry UM insurance.
When Your Insurance Coverage Is Not Enough
All insurance policies have limits, or caps. If you are hit by an uninsured motorist, or someone who leaves the scene of the crash before identifying information can be exchanged, there is no guarantee your own insurance will cover all of your damages, and you could be left with financial struggles as a result. Consulting an experienced personal injury attorney can often help confirm potential avenues of recovery for your damages. Most personal injury lawyers do not charge a fee for a consultation.
In car accident cases, damages are routinely sought for:
- Medical expenses
- Rehabilitation costs
- Damage to personal property
- Lost wages
Filing an injury claim after an accident, or dealing with insurance companies, can be a difficult and unsettling process. Keep undue stress to a minimum and allow yourself to focus on recovery.
Call (239) 309-7550 and speak with a Naples auto accident attorney.