Uninsured Motorist Hit You?

Personal, Yet Aggressive Sarasota Injury Attorney Discusses UM Coverage Car Accident

After an auto accident, your insurance company should pay 80 percent of your medical expenses, but only up to $10,000 unless you have optional MedPay coverage. If you did not cause the accident, the other driver’s insurance company should pay the rest of your medical bills and expenses.

However, that is assuming the other driver had adequate coverage. What if the other driver has no insurance or is underinsured?

Uninsured/underinsured motorist insurance (UI/UIM) coverage ensures that you are taken care of by your own insurance company in the event that you are in an accident that is not your fault, and the at-fault driver's insurance is inadequate. The Sarasota injury lawyer at Gerber Law highly recommends that every driver to obtain uninsured/underinsured motorist coverage. Every auto insurance policy issued in the state of Florida is require to include UI/UIM coverage, which the insured must reject specifically if they do not want that benefit. However, some drivers purchase insurance coverage policies that do not follow state law coverage requirements.

Will My Policy be More Expensive with UI/UIM Coverage?

This additional insurance protection may cost more, but having this coverage could mean you avoid medical bill bankruptcy. UI/UIM insurance pays for medical expenses and lost wages beyond the other party's insurance policy limits when the coverage is inadequate. If the other party has no insurance at all, this additional uninsured/underinsured coverage will be your last chance to have your bills paid in full. When you compare UI/UIM coverage to the costs you would incur if an uninsured driver injures you, this additional cost is low. However, know that insurance companies might discourage you from purchasing uninsured/underinsured motorist coverage, as this will cost them more if you are in an accident. Even if you do have the coverage, the insurance company may try to get out of paying it. This is why you need a Sarasota injury attorney on your side immediately after an accident.

Contact Gerber Law today for a FREE consultation if you have been in a motor vehicle accident. Having the benefit of experience on your side can make all the difference when dealing with an insurance company. Education and knowledge combined with personal, yet aggressive representation make Maria Gerber stand out from the rest. You will always work directly with a lawyer. Gerber Law serves the southwest coast of Florida with offices in Sarasota and Venice, Florida.