Uninsured Underinsured Unidentified Motorist Lawyers

A car accident by itself is a challenging experience. But then you find that, adding to the mental stress of your accident injury, the other driver involved in the traffic crash is under insured (having minimal bodily injury insurance limits), or even illegally uninsured (carrying no liability insurance at all).

Your circumstances may be that the negligent driver, who caused the car crash, fled the scene, resulting in a hit and run. If the at-fault driver cannot be located, then your situation involves an unidentified driver, also known in injury law as a phantom vehicle.

Under these road accident scenarios, you have to turn to your own insurance coverage to make up the difference. This is called an uninsured motorist claim, UM claim, or underinsured motorist claim, depending on the particular facts of your highway accident.

What kind of UM coverage do you have?  Some people, unfortunately, waive their right to UM benefits altogether at the urging or their insurance agent.  The fact remains that having uninsured motorist auto insurance coverage is critically important nowadays. A large percentage of motorists either do not carry uninsured motorist coverage, or have policy limits that are insufficient to cover for even basic accident related expenses.

The need for higher policy limits is highlighted by the fact that, in Florida, approximately one in five or six motorists is uninsured. The number of accidents caused by unknown or unidentified motor vehicles should also not be underestimated, since it is annually in the thousands.

If you have not recently reviewed you automobile insurance policy and its coverage limits, it is of paramount importance that you do so. But what if you are in the unenviable position of having been involved in an accident in which there is insufficient accident insurance coverage to pay for your accident related expenses?

You may wish to consider consulting with an experienced uninsured motorist attorney. Such an attorney will be able to look to all possible sources of recovery, from the insurance companies or otherwise. In some cases, the uninsured motorist may be sued directly. In other cases, you will file a UM claim or UM lawsuit directly against your uninsured motorist insurance company, which stands in the shoes of the uninsured driver or phantom vehicle.

Regardless of whether your traffic accident case involves a hit and run or an auto accident, semi accident, motorcycle accident, bicycle accident, pedestrian accident, or drunk driving accident, there are often additional sources of insurance a skillful personal injury attorney may be able to recover for you and your family. Our personal injury attorneys are experienced in interpreting policies and investigating insurance claims such that you can obtain the compensation you deserve.

Contact our driving accident attorneys today to begin the process of obtaining justice on your behalf.

Search Terms uninsured motorist claim uninsured motorist attorney um lawyer florida ft myers cape coral naples lehigh acres port charlotte punta gorda labelle