How To Collect Damages From An Uninsured Motorist Policy

  • Posted by: David Scott
  • Category: Auto Accidents, Motorcycle Accidents, Truck Accidents, Uninsured Motorist
The Law Office of Teresa P. Williams, P.A., Clearwater, Florida, Uninsured Motorist Coverage

There are millions of drivers on Florida streets. An accident can occur at any time and it is not always possible to avoid a traffic collision. Unfortunately, Florida has one of the highest rates of uninsured drivers and the state only requires a minimum amount of coverage. So, there’s a chance that the driver colliding into your vehicle is an uninsured motorist or they may not have enough coverage to pay for your medical bills and to make repairs to your vehicle.

Unfortunately, the minimum insurance requirements for drivers in the State of Florida are barely enough to cover any accident. This on top of the fact that 20% of Florida drivers have no insurance at all, makes Florida one of the riskiest places to operate a vehicle. This is where Uninsured Motorist Insurance is useful. Uninsured motorist coverage provides you peace of mind guaranteeing a safety net for you and your family.

What Is Uninsured Motorist Insurance (UM)?

This insurance pays for a policyholder’s injury and lost wage expenses if an uninsured or underinsured driver causes an accident. It provides coverage for your medical expenses, nursing, rehabilitation, wages and more. This insurance may also protect relatives residing with you, and people who occupy your vehicles.

(You may also see the term Underinsured Motorist Insurance. This applies when a driver has insurance, but not enough to cover the policyholder’s claims.) 

What To Do In An Accident Involving A Motorist With No Insurance

Take these simple steps if your vehicle is ever hit by an uninsured driver

  1. Regardless of the insurance each party involved may have, it is critical to think of safety first. After an accident, even a small fender bender, ensure that you and all involved have not been hurt. Evaluate where you are before you get out of your vehicle, paying attention to traffic in the area, fallen power lines, any debris, etc.  
  2. After ensuring everyone is safe, it is time to evaluate the damages. This is going to be essential for the claim, which you should file ASAP. A police report is critical to your insurance claim. If police will come to the scene, this is likely the best idea. You should also consider taking photos and even videos to keep as reference. After police arrive at the scene, they will speak with all involved in the accident, including taking statements from witnesses in the area. Please remember, if there are witnesses, try to obtain their name and contact information as they often leave the scene of the accident before police arrive.
  3. The next step would be to file a claim with the insurance carriers. If it is determined the other driver is uninsured, then look into filing an uninsured motorist claim with your insurance provider. Your insurer will pay for the medical bills and lost wages, up to your coverage amount. Don’t delay filing your claims as it may affect some of your rights and/or coverage.
  4. Don’t forget to keep receipts related to repairing your vehicle. Keep records for medical care you receive as a result of the accident. If you can prove you were injured, it’s much more likely your insurance company will compensate you.  

How A Personal Injury Attorney Can Help You With Your Uninsured Motorist

Car accidents, truck accidents and even motorcycle accidents can be difficult to deal with, both physically and mentally. It gets worse if the insurance company gives you a difficult time. The carrier may allege you overlooked necessary details while filing your claim. This is the reason you may want to consult with your personal injury attorney as soon as possible after an auto accident.

A personal injury lawyer can file a personal injury claim for you, working to get you back on your feet without the stress of dealing with the insurance companies.

Schedule a free consultation with the Law Office of Teresa P. Williams at (727) 796-2706 today or contact us on our website here. Depending on your case, you can learn if your medical bills, lost wages and damages to your vehicle may be taken care of through your uninsured motorist policy. Accidents in Florida may be common but you don’t have to handle your claim alone, call us today to protect your rights.

Author: David Scott