Uninsured Motorist Accident Attorney Sarasota Florida
Whether you drive a little or a lot, you notice many drivers operating erratically on our local roads. Unfortunately, in Sarasota Florida—Sarasota, Cape Coral, Estero, Bonita Springs, Lehigh Acres, North Myers, Sarasota Beach—we face many uninsured drivers. And, when you sustain injuries in a crash with one, you should contact me. I’m your experienced uninsured motorist accident attorney.
Uninsured Motorist Accident Attorney Explains Florida Auto Insurance
Uninsured or underinsured motorist coverage (UM) is insurance coverage you purchase to protect yourself. in the event of an automobile accident where the at-fault driver either has no insurance or not enough insurance. It is elective, not mandatory, auto insurance. Because it is elective and don’t understand it, unfortunately, many people waive this coverage. Waiving UM or failing to “stack” your UM coverage is a big, big mistake.
Many drivers in Florida do not have any auto insurance at all. Others purchase the absolute minimum coverage to stay “legal” per Florida laws – only to find out after an automobile accident that they do not have bodily injury liability coverage (BI).
Although Florida law states that a driver may have his or her driver’s license suspended if they cannot cover damages exceeding $10,000.00 after an accident, I recommend that you purchase UM coverage of your own. Without your own UM coverage, you might be left without any way to obtain payment for the medical expenses, physical injuries, pain and suffering, lost wages, loss of earning capacity, and inconvenience that you have suffered.
If you or someone you know has been injured by an uninsured or underinsured motorist in a car accident and needs a lawyer, contact me as your uninsured motorist accident attorney.
Uninsured Motorist Accident Attorney Pursues Your Claims
UM cases are more complex than a liability case against the at-fault driver. In a UM case, your uninsured motorist carrier will stand in the shoes of the negligent driver at trial. In these accident cases, our Southwest Florida firm will file a lawsuit on your behalf against your own insurance company when they fail to pay you the UM benefits that you are due.
Many times, your insurance company will assert that they have not denied your claim but, instead, do not value the claim in the same manner that we do. Your insurance company has a duty to act fairly and honestly while settling your claim; we may pursue your rights with a Civil Remedy Notice of Insurer Violation with the Florida Department of Financial Services.
In certain cases, the Department of Financial Services may fine or punish the insurance company for denying your claim. After the filing of the Civil Remedy Notice of Insurer Violation, your insurance company has 60 days to pay your claim.
Retain David Harris Law as Your Uninsured Motorist Accident Attorney
If you are having difficulty resolving insurance claims after being hit by an uninsured driver, contact a car accident lawyer at the David Harris Law Firm, P.A. to assert and protect your rights.