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Carrying auto insurance may be required by Florida law, but the reality is that too often drivers do not. Even if they do carry insurance, Florida law does not require that most drivers carry bodily injury liability insurance (“BIL”) which provides coverage to those who might be injured as a result of the insured driver’s negligence. If you are involved in an auto accident with someone who does not have auto insurance (or does not carry BIL), uninsured motorist (UM) or underinsured motorist (UIM) coverage through your own insurance agency may pay for damages. This kind of insurance covers you if you are injured at the hands of a negligent, but uninsured or underinsured, driver. Sadly, without such coverage, those injured due to another’s negligence may be without any real legal recourse.
The experienced auto accident lawyers at the Luhrsen Law Group have helped Sarasota and Bradenton, Florida residents collect damages when they have been involved in UM/UIM auto accidents.
Uninsured motorist coverage – If you are hit by a negligent uninsured motorist, you may pursue a claim through the UM portion of your own auto insurance.
Underinsured motorist coverage – If coverage by the negligent driver is not enough to cover all your damages, you can pursue additional damages under your own UIM policy. Such claims are generally made after a claim is made to the negligent party’s own bodily injury liability insurance coverage.
UM/UIM coverage is stackable which simply means that if elected, your coverage limits are multiplied by the number of vehicles covered. Hence, two covered vehicles result in a doubling of the available coverage.
Florida law requires that all vehicle owners carry a minimum of $10,000 in personal injury protection coverage (which covers a portion of medical costs, lost wages and similar expenses incurred as a result of an auto accident regardless of whether you or someone else is at fault), as well as a minimum of $10,000 in property damage liability coverage (which covers the cost of property damaged, such as your vehicle, as a result of another driver’s negligence). By contrast, Florida does not require drivers to carry either bodily injury liability coverage or UM/UIM coverage. With as many uninsured and underinsured motorists in the state of Florida as there are, it is a good idea to consider this kind of coverage.
Although you may carry UM/UIM policy coverage, perfecting a claim for those insurance benefits is not simple. For example, after exhausting the negligent driver’s bodily injury liability limits, generally you must seek permission from your own insurance company about any offers made by the negligent driver’s insurance in order to preserve your ability to make a UIM claim.
The experienced Sarasota auto accident lawyers at the Luhrsen Law Group will speak with the insurance company or companies so you don’t have to. Our attorneys can help make sure you are receiving any and all benefits due from the various types of available insurance, including UM/UIM, for such things as your pain and suffering, medical expenses, lost wages, and more.
If you are involved in an auto accident with an uninsured or underinsured motorist in the Sarasota or Bradenton, Florida area, please contact the experienced auto accident attorneys at the Luhrsen Law Group today.