Miami Underinsured or Uninsured Accident Lawyers
Car accidents are often a frustrating occurrence in anyone’s life, but are made that much more upsetting when the responsible party lacks appropriate insurance in Florida. The underinsured or uninsured motorists are those which you need to be wary of and will be unable to fully compensate the amount of injuries or damages through an existing policy. Therefore, you will need to look outside the scope of insurance policies to recoup the damages which their actions caused.
Florida Insurance Requirements
The state of Florida requires motorists to hold insurance on their motor vehicles and register with the state. Motorists are required to purchase and maintain minimum coverage of $10,000 personal injury protection and $10,000 property damage liability for the extent of time they have a valid Florida license plate. Personal injury protection will cover your own damage, regardless of fault, up to the limit of your policy. The policy will also cover certain passengers and family members who are not covered under their own policies. Bodily insurance liability is separate from personal injury protection and will cover serious injuries or death to others when you are at fault for an accident. The insurance company will pay for injuries up to the limits of your policy and will provide legal protection in the case of legal claims.
Unfortunately, many people knowingly break the insurance requirements in Florida and tempt fate by driving without insurance. When these individuals cause accidents, they do not have the protection of an insurance company to fall back on, and instead have to front their own costs of damages and the damages to other individuals involved in the accident.
Florida Accident Recovery
Florida is a comparative negligence state, which means that you are able to recover a percentage of the damages for your injuries if you were a small percentage at fault. Perhaps your actions exacerbated the injuries, although the other driver was the primary reason for your injuries. In the case of uninsured and underinsured claims, you will need to carefully work with a Miami accident attorney to map out the extent of your damages.
You are able to bring a claim for damages which includes the following:
- Medical expenses
- Rehabilitation expenses
- Property damage
- Lost wages
- Future earnings
- Pain and suffering
Insurance companies normally front a good portion of the damages after an accident, although an uninsured driver will not have this luxury. Instead, a levy may be placed on their funds until the full amount of damages is repaid to you. Depending on the financial state of the individual, you may receive your damages soon after the accident, or up to years later.
Lipcon & Lipcon | Miami, Florida Accident Lawyers
If you or a loved one have been injured by a driver who was uninsured or underinsured, do not hesitate to contact the attorneys of Lipcon & Lipcon. Our attorneys have years of experience in handling auto accident cases, including those against uninsured or underinsured drivers. They should not escape personal injury claims solely because they did not have the foresight to purchase adequate insurance. They should continue to be held responsible for their actions through a personal injury claim. Contact our Miami office today for your initial free consultation.