Uninsured/Underinsured Motorist Accidents
Car insurance is intended to protect a policyholder from suffering serious financial consequences if they are involved in an accident. Under Florida law, drivers are required to have a car insurance policy that has minimum amounts providing coverage for personal injury protection (PIP) and property damage liability (PDL). However, many motorists fail to comply with these requirements and operate motor vehicles without any coverage whatsoever. As a result, it is usually a good idea to take out an underinsured and uninsured motorist coverage policy. This type of coverage will provide additional compensation and an increased policy limit in the event that you are injured by an underinsured or uninsured motorist. At the Law Offices of Adam Baron, our Naples car accident attorneys have substantial experience helping victims who have been struck by a careless driver.Pursuing Compensation from an Underinsured or Uninsured Motorist after an Accident
As in any car accident case, a plaintiff can hold an underinsured or uninsured driver responsible for his or her injuries if he or she can show that the other driver failed to exercise due care at the time of the crash. This standard of care encompasses a wide variety of factors, including the weather conditions, roadway hazards, traffic, and other situations that a prudent driver would take into consideration. Common examples of negligent driving behaviors include speeding, tailgating, texting while driving, and driving under the influence. Obtaining a police report following an accident is a good way to document whether the at-fault driver violated any statutes or laws at the time of the crash. If so, the plaintiff likely will be able to show that the defendant’s conduct was negligent.
The minimum policy requirements in Florida are some of the lowest in the nation. If you are hurt in a serious crash, such as a truck accident, an at-fault driver’s policy limits may not be enough to compensate you for your medical bills, lost wages, and reduced earning capacity. Underinsured and uninsured motorist coverage will provide you with the additional coverage you need to address these expenses. This extra policy also provides compensation in the event that you are involved in an accident with a hit-and-run driver, or so-called phantom vehicle collisions. It is important to know that once you are hit by an uninsured or underinsured motorist, it is too late to obtain an additional coverage policy because they do not apply retroactively.Consult a Car Accident Attorney in the Naples Area
Negotiating with insurance companies and figuring out the amount of compensation you deserve can be confusing and difficult, especially when you are trying to recover from painful injuries and deal with the other disruptions that an accident can cause. At the Law Offices of Adam Baron, our Naples car accident lawyers can provide you with the compassionate, skilled, and diligent legal counsel you need to vigorously pursue compensation from the driver who injured you. We also serve victims in Coral Springs, Fort Myers, North Miami Beach, Tamarac, and other cities in Broward and Miami-Dade Counties. Contact us online or call us at one of our regional office locations to set up a free consultation with a motor vehicle collision attorney. We can be reached in Broward County at (954) 247-4878, in Miami-Dade County at (305) 770-2131, or in Naples/Fort Myers at (239) 352-5511.