West Palm Beach Uninsured Motorist Car Accident Lawyer
Were you hit by an uninsured or underinsured motorist?
According to the Insurance Research Council, nearly 14% of all motor vehicle accidents in the U.S. are caused by uninsured motorists. This concurrently means that approximately 16% of all drivers in the country choose to operate a vehicle without an adequate level of coverage. Not only does this put these individuals at risk of serious legal penalties, but it endangers the well-being of all other drivers on the road. Since the victim of a car accident would be rendered unable to secure compensation if the responsible driver had failed to equip themselves with the mandated amount of auto insurance, the West Palm Beach car accident attorney at the Law Offices of Casey D. Shomo, P.A. encourages you to examine the importance of acquiring uninsured motorist (UM) and underinsured motorist (UIM) coverage.
Understanding the Importance of UM & UIM Coverage
Although Florida law does not require insurance companies to provide their customers with a minimum amount of uninsured or underinsured motorist coverage, we believe that it is a small price to pay for the numerous advantages that it can offer. Not only would it afford you the opportunity to recover compensation after an accident with an uninsured driver, but you would also be protected in the event of a hit and run—which are becoming far too common in the state of Florida. While some are hesitant to spend the extra money to supplement their current insurance policy with this form of coverage, we encourage you to take into consideration that it is relatively inexpensive. Even though you might have a substantial amount of bodily injury (BI) coverage, it is important to understand that this will not cover any of the injuries that you sustain in an accident.
Rather, you would need to acquire uninsured motorist or underinsured motorist coverage in order to file a claim with your own insurance company after an accident. While it might not seem fair that the at-fault driver can cause a collision and leave you with nothing, it is unfortunately up to you alone to ensure that you are protected. Once this policy is in place, you would have the opportunity to file a UM claim with your own insurance company and recover compensation for the cost of your medical treatment, lost earnings and vehicle repairs. For this reason, we would like to emphasize just how important it is to acquire an adequate level of coverage. Although there are ways to track down the responsible party and force them to pay damages, we believe that it is better to be safe than sorry when it comes to your health and financial viability.
How to Deal with an Uncooperative Insurance Company
Even if you have acquired an adequate level of uninsured motorist coverage through your own policy, it is not uncommon for the insurance company to deny a claim for compensation. Under these circumstances, it may be necessary to retain the help of a West Palm Beach car accident lawyer from the Law Offices of Casey D. Shomo, P.A. Not only do we offer compassionate legal representation for all types of accident victims, but we specialize in dealing with uncooperative insurance companies. For this reason, you can rest assured that your case is in experienced hands when you turn to our firm for help. To learn more about how we can assist you in recovering compensation after an accident with an uninsured motorist, call today at (800) 690-7868 for a free initial consultation.