A Sarasota Injury Lawyer Explains
Florida law mandates that every driver carries $10,000 in personal injury
protection and $10,000 in property damage insurance. Unfortunately, not
all drivers carry the insurance required by law, which can leave you vulnerable
to the massive financial and medical costs that come with an automobile
accident. Thus, many insurance companies have begun offering uninsured
motorist or underinsured motorist coverage.
A Sarasota injury attorney can help you if you have been hurt by an uninsured
motorist. Legal action may be the best remedy for the pain you have suffered
due to a catastrophic injury caused by a reckless driver.
Basics of Uninsured Motorist Coverage
Uninsured motorist (UM) and underinsured motorist coverage (UIM) are insurance
coverage options that allow a driver to recover additional funds in the
event that the at-fault driver’s insurance cannot pay for the total
costs of the accident. Though UM and UIM are considered different types
of coverage, they are often bundled together by insurance companies, which
means you will have protection regardless of whether a driver carries
no insurance or only the minimum required by Florida law.
For instance, let’s say your medical bills from an accident total
$20,000. If the at-fault driver carried only the Florida minimum of $10,000,
you would be liable for paying the other half of your medical bills. Conversely,
if you carried a $20,000 underinsured motorist policy, then your medical
bills would be completely taken care of by insurance payments.
UM and UIM coverage are not mandated in Florida, but it is highly advisable
to carry them in addition to your legally-required PIP and property coverage.
The National Safety Council estimates the average cost of a nonfatal car
crash to be close to $70,000 – far, far above the minimum amount
of coverage required by law.
The Dangers of Auto Accidents
An automobile accident can be an incredibly harmful event for a person
to suffer. Injuries can include:
- Broken bones
- Organ puncture
- Blood loss
- Spinal cord trauma
Without uninsured motorist coverage, the cost of treating your injuries
may overwhelm your personal finances.
Help is Available
By contacting a Sarasota injury lawyer, you can learn valuable information
about your case. You may be able to receive compensation for your injuries,
pain, suffering, medical bills and lost enjoyment of life. Victims of
negligence have options for recovering damages in times of need, even
when some parties do not have the required insurance coverage.