Miami Uninsured/Underinsured Motorist Lawyers
Helping You Work to Recover Maximum Compensation
The average driver often has only the required $10,000 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 sustained after an accident. This is when uninsured and underinsured motorist coverage becomes relevant. If the at-fault driver who 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, Greenberg, Stone & Urbano can help. Our firm has been helping clients with UM/UIM cases for decades.
Call us today at (305) 692-0055 to learn more about your legal rights and options. Our Miami uninsured/underinsured motorist lawyers are prepared to fight for you.
Can You Still Recover Compensation If the Driver Who Hit You Is Uninsured?
In short, yes, you might still be able to recover compensation after an accident with an uninsured motorist by filing an UM claim.
Unfortunately, some motorists ignore mandatory state laws and take unnecessary risks by driving without automobile insurance. Such drivers are referred to as "uninsured motorists," and they may be the individuals at fault for causing your car accident. Experiencing a car accident is always a distressing event, but being hit by an uninsured driver often makes things even worse. On top of your injuries, you must now cope with the added burden of determining how you will cover the medical bills, vehicle repairs, lost wages or job, and ongoing healthcare costs if there is no applicable insurance coverage.
Don't despair. Greenberg, Stone & Urbano helps those injured in Miami and South Florida car accidents with uninsured motorists work to recover compensation despite the unique challenges of these types of cases. When determining which attorney you wish to represent you in your UM case, ask if they have experience with similar Florida uninsured motorists cases and find out if they are familiar with Florida laws. These questions are critical because UM cases are more complicated than other types of accident cases.
For example, Florida statute requires insurance companies to offer UM coverage to everyone who applies for car insurance. If you paid for this coverage, you may file a claim against your insurance and it will cover the damages (up to your policy limits) caused by the uninsured driver. At first glance, it may appear unfair or unjust that your insurance company must cover your losses when another party caused the accident, but keep in mind that they sold you the policy and charged you an added premium as a result.
Just become someone is uninsured does not mean you are without legal recourse. Sometimes, uninsured motorist drivers were acting in the scope of their employment during the accident, so you might be able to file a claim against their employer, too. Likewise, if your insurance does pay, but coverage is not enough to pay your expenses, you should look into whether or not to make a claim against the uninsured motorist personally, assuming personal assets are available.
Why You Should Work with an Attorney
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. Because we have represented countless uninsured/underinsured motorist accident victims and their families, we know how to navigate these and other challenges. We can help you explore UM/UIM benefits and help you fight for the compensation you deserve for your injuries and associated losses.
UM/UIM motorist claims are often much more complex than regular accident claims. 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 Miami uninsured motorist attorneys to learn more about your legal rights and options.
Contact Our Award-Winning Team Today
An uninsured/underinsured driver accident may seem like an insurmountable obstacle. However, choosing the right legal counsel to help you can maximize your chances of recovering compensation for the costs associated with your damages, including medical expenses, physical rehabilitation, and costly medical equipment. You can have the peace of mind that comes from knowing someone is there working so you can afford to repair the destruction done to your car. You can be certain that your attorney will fight for all lost wages to be considered in your damages award, and that your long-term care needs are provided for in the years to come.
Greenberg, Stone & Urbano employs UM/UIM motorist accident lawyers who have over 130 years of combined experience in advocating for injured individuals and their family members. Our personal injury attorneys have been selected for inclusion in the Florida Super Lawyers® list, earning them the title of being some of the finest lawyers in America. Our lawyers have also earned an AV® Rating from Martindale-Hubbell® and have been voted "South Florida's Top Rated Lawyers" by the Miami Herald.
Call us today at (305) 692-0055 or contact us online to schedule your free and completely confidential consultation. One of our dedicated lawyers will investigate and evaluate your possible personal injury claim.
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