Boca Raton Uninsured & Underinsured Motorist Lawyer
Boca Raton, Fort Lauderdale and West Palm Beach Offices serving all of Florida
In the state of Florida, drivers are required to carry some type of auto insurance coverage as well as Personal Injury Protection (PIP) insurance. But, there are plenty of drivers out there who choose to drive without any coverage or without adequate amounts of coverage. Because these individuals are already careless, they are more likely to cause or be involved in an accident. They may even flee the scene of the accident to avoid being ticketed for their lack of insurance.
At Leifer & Ramirez, our Boca Raton uninsured motorist lawyers feel that if you have been injured by an uninsured or underinsured motorist, you shouldn’t pay the price for their negligence. These drivers choose to get behind the wheel without coverage; therefore, they should be held accountable for their reckless behavior.
Uninsured Motorist Coverage
In Florida, insurance companies are required to provide their customers with underinsured and uninsured motorist coverage. The only way a person cannot have this coverage is if they purposely sign a waiver stating that they do not wish to be covered for uninsured or underinsured drivers. So, if you have an auto insurance policy and did not sign this waiver, then you should have coverage. The amount of coverage, however, depends on what you opted for in your policy.
Why Underinsured Coverage is Important, Too
The underinsured and uninsured coverage of your policy applies to anyone in your household that is involved in an accident. It does not matter if you were just the passenger or the driver or even a victim of a hit and run accident; this coverage pays for the costs associated with your accident.
How Your Uninsured/Underinsured Coverage Works
When you are injured by an uninsured or underinsured driver, you can contact your insurance company to file your claim. Your claim process will work two ways:
You will access the maximum coverage amount within your policy. This is stated in your policy documents.
If you opted out of this type of coverage, then you will have to sue the driver in civil court for your damages.
You Can Still Sue if You Don’t Have Enough Coverage
If you do not have enough uninsured or underinsured motorist coverage in your policy to cover all of your loses, then you can collect what you have and then still sue the negligent driver for the remainder. But, you will need the assistance of a car accident attorney that understands these types of cases—and you will have to prove that your case goes beyond the coverage of your own insurance policy.
Types of Claims You Can File
After you are in an accident with an underinsured or uninsured motorist, you should speak to a skilled car accident attorney. You will need their assistance collecting compensation for your damages and losses. Some of the damages you may be able to seek from the other driver include:
- Lost wages
- Medical costs
- Funeral expenses
- Loss of companionship
- Loss of enjoyment in life
- Loss of consortium
- Mental anguish
- Property damages
- Pain and suffering
Why You Need an Attorney
While you might think that you can file the claim with your insurance company on your own and be fine, you may quickly realize how complex the process is – and how little help your insurance company will provide. Your insurance claims adjuster is there to offer you bottom dollar settlements to clear the claim – they do not care about your long-term costs or even your pain and suffering.
An attorney will negotiate with insurance companies and present them with an accurate calculation of just how much your case is worth. Did you know that skilled car accident attorneys get their clients three times more than they can ever get on their own?
Contact Leifer & Ramirez Today for a Free Consultation
If you or a loved one was injured in an accident with an uninsured or underinsured driver, contact the Boca Raton uninsured motorist lawyers at Leifer & Ramirez today. We are Boca Raton’s resource for car accident claims and assistance. Our attorneys care about our clients and we want to make sure our clients get maximum compensation for their injuries.
Call us now for a free consultation. We can meet anywhere that is convenient for you or even come to your home to discuss your case.