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Uninsured Motorist Coverage in Florida

If you have been involved in a car accident in Florida, you need to know what an uninsured  motorist claim is and how it might apply to you. If you’ve been injured in a car accident, it  is especially important because many drivers in Miami and Broward are uninsured or  extremely underinsured. That means that when you are driving around South Florida, you  are playing a game of Russian roulette with your safety if you don’t have any coverage  for uninsured or underinsured motorists. In this blog post, we will discuss uninsured and  underinsured motorist coverage and its importance. 

Uninsured and Underinsured Motorist Coverage Explained 

In terms of whether you’re going to be hit by someone who is well insured or someone  who has no insurance, if you’re hit by someone who has no insurance and if they have  no collectible assets, you’re going to have a difficult time recovering any compensation  for your injuries. That’s why we have uninsured motorist coverage as an additional  coverage you can purchase. This is additional insurance coverage that you can purchase  from your insurance agent to protect you if this exact event precisely happens. If you are hit by someone who does not have insurance, your insurance company steps into the  shoes of the uninsured at fault driver and will defend the case and then pay out what  you’re entitled to at the end just as if the person who caused your car accident had  insurance. It is a critically important coverage especially in Florida right now where so  many people are driving uninsured. One of the reasons many people don’t purchase uninsured or underinsured motorist coverage is because many insurance agents do a  bad job of explaining the importance of this type of coverage. Many insurance agents will  issue policies with high bodily injury limits and claim they are “full coverage” but there’s one caveat. This type of coverage will respond when you’re at fault for someone else’s  injuries and property damage. What happens when an uninsured or underinsured  motorist causes your accident? That is precisely why UM and UIM coverage is so important. I always recommend at least 500,000 to $1,000,000 in coverage. Remember,  although it may add on an additional $20 to $40 per month in insurance expenses, you  can relax because you know your family will be covered. 

Speak with a Miami Car Accident Attorneys Today!  

After being involved in a car accident, it is a great idea to hire a car accident attorney who  is familiar with handling car accident claims. This is simply because Florida has specific  laws that relate to car accidents and you want to make sure you handle your car accident  claim in the best manner. Hiring an attorney relieves you from the stress that comes with  an accident and allows you to avoid dealing with insurance adjusters. Unless you have a  background in insurance, car accident claims can be challenging to deal with. At Suarez  and Montero, we have all the answers to your legal questions. We can also assist you in  obtaining compensation for your injuries after a car accident if you were a passenger in  the accident. At Suarez & Montero, our team of car accident attorneys in Miami will work  with you every step of the way, offering the expert legal guidance you need to win your  lawsuit. If you have been injured in a motor vehicle accident, you have the right to file a  personal injury lawsuit against any responsible parties. Depending on the situation, the  driver, owner, or manufacturer could be liable. Our legal team of Miami car accident  lawyers have decades of experience handling car accident cases. With an extensive  understanding of the laws involved, we can make sure you’re fully compensated for any  medical bills, pain and suffering and other damages you may have experienced. Unlike  other firms that handle cases in other areas of law in addition to their personal injury  section, our firm is 100% dedicated to helping victims in personal injury cases and has  been doing so for over 20 years. If you or someone you love has been involved in an  accident, contact us today for a free 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.