Underinsured Motorist Accidents

Accidents Involving Underinsured Motorists

The average driver responsible for causing a car accident often has only the required $10,000 of minimum personal injury protection, or PIP, coverage required by Florida state law. Others may have no insurance whatsoever. Whether due to little or no insurance, these individuals may not be able to cover the injuries and other damages that their victims sustained. This is when uninsured and underinsured motorist coverage becomes relevant. If the at-fault driver that hurt you had no insurance or not enough insurance, your policy for uninsured motorist (UM) or underinsured motorist (UIM) benefits may be a source for recovery.

If you or a family member was injured by an underinsured or uninsured motorist, the lawyers of Greenberg Stone & Urbano can help. Our firm has been delivering legal services to people hurt or killed in South Florida who are covered by UM/UIM for decades. Call us today to learn more about your legal rights and options.

Finding Insurance Coverage

Car accidents are distressing enough without having to worry about how you are going to afford the associated medical bills, hospital expenses, repairing or replacing your car, inability to work, lost income, or ongoing medical care. We are very highly familiar with these questions from representing countless underinsured motorist accident victims and their families. The good news is that we can help you explore UM/UIM benefits, and help you fight for the compensation you deserve for your injuries and associated losses.

If the underinsured motorist drove a work vehicle at the time of the accident, or was running a work errand in their own vehicle, you might be able to pursue a claim against that employer and/or the vehicle owner that is covered by insurance. By speaking with one of our qualified legal counsel, you can better understand your options and make well-informed decisions about your case.

Complex Cases Require Strategic Counsel

Underinsured motorist claims are often much more complex than regular accidents. In fact, certain procedures that are governed by your insurance policy and that are also required to preserve your UM/UIM accident claim, can be quite complicated. Yet, they are crucial to preserving and enforcing your legal rights. Before you settle any claim against an underinsured driver, we recommend that you discuss your case with one of our qualified auto insurance attorneys to learn more about your legal rights and options.

If you have UM/UIM coverage, it is important to know that you may be able to file a claim pursuant to the terms of your own insurance policy. However, the provisions of underinsured motorist policies can be quite complicated, which is why it is crucial to speak with an attorney about the specific protections your policy provides. Sometimes, clients do not think it is fair for their insurance company to be forced to pay when another driver is at fault. Yet, we advise them that the insurance company has legal rights to seek reimbursement from third-party wrongdoers in a separate legal action. Finally, if the at-fault party appears to have sufficient assets, you may want to seek recovery from the underinsured driver personally. Only an attorney experienced in handling these types of cases can provide you with a realistic scope of your legal options, enabling you to decide the best course of action to take.

Handling The Consequences

If you have been injured in a car accident, you are likely worried about how to afford your mounting medical expenses and, how to deal with the loss of earnings, diminution of your ability to earn money in the future, incidental expenses, pain and suffering, emotional distress, and loss of enjoyment. Where do you start and how do you cope? The lawyers at Greenberg Stone & Urbano can expertly guide you through your case no matter how complicated it may be. When we meet with prospective clients, we take the time they need to answer all of their questions, absolutely free.

Contact Our Underinsured Motorist Accident Attorneys Today To Schedule Your Free Consultation

The law firm of Greenberg Stone & Urbano employs uninsured motorist accident lawyers who have over 130 years of combined experience in advocating for their clients who have been injured in these serious types of accidents. Our team of South Florida personal injury attorneys has been selected for inclusion in Super Lawyers list, earning them the title of being some of the finest lawyers in America. Our lawyers have also earned a rating of "AV" by Martindale-Hubbell* and have been voted "South Florida's Top Rated Lawyers" by the Miami Herald. Call Greenberg Stone & Urbano today to schedule your free and completely confidential consultation. One of our dedicated lawyers will investigate and evaluate your possible personal injury claim. You may also contact us through our website or call us at 888-499-9700 or 786-408-8973.

*AV®, AV Preeminent®, Martindale-Hubbell Distinguished and Martindale-Hubbell Notable are certification marks used under license in accordance with the Martindale-Hubbell certification procedures, standards and policies. Martindale-Hubbell® is the facilitator of a peer-review rating process. Ratings reflect the anonymous opinions of members of the bar and the judiciary. Martindale-Hubbell® Peer Review Ratings™ fall into two categories - legal ability and general ethical standards.