Uninsured Motorist Hit You?
Personal, Yet Aggressive Sarasota Injury Attorney Discusses UM Coverage
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.
NO FEE UNLESS YOUR ATTORNEY RECOVERS MONEY FOR YOU.