Do I Need Uninsured Motorist Coverage?

Accidents create confusing and chaotic scenes. Knowing what to do after an accident can  help protect your rights, especially against uninsured or underinsured drivers. Statistics  show that about 25% of drivers in Florida are under insured or uninsured. Nationally, one  out of 8 drivers are uninsured. The best way to protect yourself against this is by  purchasing uninsured motorist coverage. This type of insurance works almost like bodily  injury coverage. Uninsured motorist coverage allows the policyholder to be covered  against any injury or damages resulting from an accident caused by a negligent driver  whose vehicle is not insured. In Florida, this is not a requirement. However, we can’t  recommend this coverage enough. We often tell our clients that this is one of the most  important coverages you can have. This is because many drivers in Florida are either  under insured or not insured at all. When a driver is uninsured, they don’t have a current  insurance policy. When a driver is under insured it means that they have not paid enough  to obtain a policy that can cover all your damages. In this blog post, we will discuss uninsured motorist coverage and explain whether you should obtain uninsured motorist  coverage for your policy. 

When Does Uninsured Motorist Coverage Apply? 

From the name alone, you can probably figure out what uninsured motorist coverage is  meant to come into effect. Uninsured motorist coverage will cover injuries to you, any  other passengers, and any damage property if the accident was caused by a negligent  driver who doesn’t have any liability insurance, or whose coverage is not sufficient to pay  for your medical bills or compensate you for your damaged property. It also covers you if  the driver’s insurance company is not able or refuses to compensate you. In addition,  uninsured motorist coverage can cover you if you’re involved in a hit and run accident. In  South Florida, it is very common for negligent drivers to speed off after an accident. When  this occurs, you are left at the scene either injured or with a damaged vehicle, or both.  This is where the under insured or uninsured policy can be used to compensate you for  the medical bills or damage property. 

Hire Our Miami Car Accident Lawyers!  

Even though most injury victims are aware that they have a legal right to obtain  compensation from the party responsible for your injury, they may be confused about how  to begin the process. For some car accident injury victims, they must make a claim with  either their own insurance company or the responsible party’s insurance company. For  others, they may be considering the filing of a lawsuit. In either case, the help of a skilled  car accident attorney can be a great asset to have on your side. The car accident  attorneys at Suarez & Montero have the resources and experience to successfully  accomplish your goal of receiving maximum compensation for your personal injury claim.  Our firm believes that the top priority for our clients should be recovering from their injury  to return to their normal everyday lives. That is why we offer our legal services with no  money down and no fees unless we are successful in recovering compensation in your  case. Our attorneys are ready to provide proven legal representation and stand ready to  protect your rights. A consultation appointment takes less than an hour in most cases,  and if you have unrecovered losses, it could wind up being one of the best investments  of your time that you’ll ever make. We are available 24/7 to give you a free, no risk case  consultation! 

We serve clients throughout Florida including those in the following areas: 

Miami-Dade: Aventura, Coral Gables, Doral, Fontainebleau, Hialeah, Homestead,  Kendall, Miami, Miami Beach, Miami Lakes, North Miami, Tamiami, and Westchester. 

Broward: Fort Lauderdale, Hallandale Beach, Hollywood, Pembroke Pines, and Weston;  and Palm Beach County including Boca Raton, Lake Worth, and West Palm Beach