Uninsured And Underinsured Motorist Claims

Florida has one of the highest rates of uninsured drivers. If you were injured in a collision, there is a very good chance the at-fault driver is not covered. Who pays your medical bills, car repairs and other damages?

You may be covered for exactly this scenario under your own car insurance policy. However, you still need a knowledgeable lawyer to extract full compensation. The insurance companies resist paying out all claims, even when you have faithfully paid your premiums and present a claim under your own policy.

The King Law Firm has extensive experience with motor vehicle accident litigation, including good results with uninsured/underinsured motorist claims. Our Ocala personal injury attorneys provide skillful and vigorous representation to the injured in Marion County and surrounding counties of Central Florida.

Accidents Involving Uninsured Drivers

The Insurance Research Council estimates that nearly one in four Florida drivers (24 percent) do not carry any car insurance. That figure does not include the hundreds of thousands of Floridians who elect very minimal coverage. In fact, the state of Florida does not require drivers to carry any coverage for bodily injury to others. The only requirements are $10,000 in personal injury protection (PIP) and $10,000 in property damage liability.

These every-man-for-himself laws can be a nightmare scenario when the injuries are severe or permanent. A serious accident resulting in surgery or hospitalization will quickly exceed many drivers' policy limits — if that driver is insured at all.

If you have uninsured/underinsured motorist (UM/UIM) coverage under your auto insurance, you may be covered for:

  • Your damages caused by a driver with zero insurance
  • Your damages in excess of a driver's policy limits (underinsurance)
  • Your damages caused by a hit-and-run driver

The Experience To Secure What You Deserve

UM/UIM insurance covers medical bills, as well as future medical care, lost wages, reduced earning capacity, disability, disfigurement, and pain and suffering. However, you are covered only up to your policy limits and only to the amount that your attorney is able to obtain through negotiation or trial. Our trial lawyers are familiar with their delay-and-deny tactics, and we have tried and won these cases in court.

Do You Have Adequate UM/UIM Insurance?
Insurance agents do not push uninsured/underinsured motorist (UM/UIM) coverage. It's not profitable for the agent or the insurer. Instead, they may push PIP coverage or disability policies. We encourage all of our clients to upgrade their UM/UIM policies. The extra coverage is very affordable and offers invaluable protection to you and your family in the event of a major accident. There are simply too many bad drivers on the road with no insurance.

To arrange a free consultation with lawyers experienced in uninsured and underinsured motorist claims, call us toll free at 352-629-8747, or email us. We can visit clients at their home or hospital room, and we take accident cases on a contingency fee — we do not receive attorney fees unless we obtain compensation on your behalf.