What Happens if I Was Injured by an Uninsured or Underinsured Motorist?

Delray Beach / Fort Lauderdale / Boca Raton Car Accident Attorney

Uninsured and underinsured motorist coverage is an add-on to your regular auto, truck or motorcycle insurance policy for which you pay an extra premium. It can be critical after an accident, but few people know or remember if they have it.

In about half of the personal injury cases we've handled at the Leifer Law Firm in Boca Raton, we need to turn to the injured person's own insurance policy to seek payment for medical costs and financial damages after a car accident. Do you know if you have uninsured and underinsured coverage? We can check your policy and advise you on what it will cover.

Contact the Leifer Law Firm to schedule a free consultation at our Boca Raton or Fort Lauderdale law offices. We offer evening and weekend appointments. Call 561.395.8055. Our phones are answered 24/7.

How we help with uninsured and underinsured motorist cases

As your personal injury lawyer, we do all the work for you so you can focus on your physical recovery and getting back to life as usual.

We will set up your claim and investigate the car accident. We will ensure you see the right doctors in order to get an accurate diagnosis, and ensure your medical bills and records are handled properly. We will submit a demand package to the insurance company and handle all negotiations so you receive a fair settlement.

What is a fair settlement? This is where many people lose out when they try to handle an insurance claim themselves. The insurance company is going to offer you as little as possible. If you don't know the real value of your case, you may accept less than you need and could receive.

We've handled hundreds of car accident, truck accident and motorcycle accident cases. We understand how to assess the value of your case, where to look for financial compensation, and how to negotiate with the insurance companies.

When uninsured motorist coverage comes into play

• If you are involved in a hit and run accident (whether you are in your vehicle or you are a pedestrian or bicycling).
• If you are hit by a driver who has no car insurance you can use your own uninsured and underinsured coverage to pay your medical bills, property loss, and pain and suffering. IF that driver has personal assets, we can also bring a lawsuit against them personally to recover money, but if a person doesn't have insurance, they usually don't have financial assets either.
• If you are injured by a driver who has a small amount of coverage, not enough to pay the full cost of your expenses, you can collect the total of the other driver's insurance and then collect the remainder from your own policy.

Remember, your rates will not go up if you file for coverage under your own uninsured and underinsured motor vehicle coverage if you are not at fault.

To learn more about your rights after a car accident, contact the Leifer Law Firm to schedule a free consultation at one of our four convenient locations in Boca Raton or Fort Lauderdale. Call 561.395.8055.

See also:

• What should I do after an accident?
• Questions about car insurance after an accident
• What if a drunk driver caused my accident?
• Could defective car parts have played a part in my accident or injuries?

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