Uninsured Motorist Insurance Claim

UM Lawyers

Underinsured and uninsured (UM) motorist coverage protect drivers when the other, at-fault, driver either does not have enough automobile bodily injury liability insurance (BI) coverage (underinsured) or does not have any automobile bodily injury liability insurance at all.

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If you are seriously injured in a crash involving an underinsured or uninsured driver, then your UM insurance carrier stands in the shoes of the at-fault uninsured/under insured driver. Accordingly, your claim and lawsuit will be filed directly against your UM insurance carrier for your compensation.

This is why it is so very important for every Florida driver purchase UM coverage with high limits. In Florida, which does not even require drivers to carry automobile bodily injury liability insurance coverage, you cannot afford to go without this protection for yourself and your family.

While insurance companies are required to offer you UM coverage, you are permitted (and sometimes even encouraged by the insurance agent) to reject this coverage, even though it is fairly inexpensive. Importantly, even if you have BI, if you have not purchased bought UM insurance, you will not be covered in any way, shape or form if an underinsured or uninsured driver harms you in a motor vehicle accident.

We suggest that you carry a minimum amount of $100,000 BI coverage and $100,000 UM coverage. Also, if you have more than one automobile, then we strongly recommend that you “stack” your UM coverage. This means that in the event of an automobile accident, your available UM coverage is multiplied by the number of cars you own. For example, if you purchased $100,000 UM coverage and have 2 cars, and stack that coverage, you then have $200,000 in UM coverage available.

UM coverage provides you and your family with protection fro uninsured motorists.

Catastrophic injuries and death resulting from underinsured and uninsured drivers devastate families. If you or a family member has suffered a severe, permanent injury as the result of a motor vehicle accident with an uninsured driver or underinsured driver, then contact personal injury attorney to review your potential claim.

Our hallmarks of service include prompt investigation, efficient service, and pushing your claim or case quickly to achieve results. Injured in an accident? Contact us today. You will speak to an experienced injury lawyer, not a phone bank, answering service, call center, or outsourced phone operator, or "referral service." We also do not leave you to explain your personal injury claim and most intimate life details to a receptionist which some firms nowadays call an "intake specialist."

We're Here to Help - Throughout Florida and Beyond

For dedication and experience, contact our injury law firm.  We proudly serve deserving clients and their families who are seeking to overcome the challenges of serious personal injury and wrongful death throughout Florida and beyond in other States.

Locally, we are also proud to serve our neighbors throughout Southwest Florida, including those in Arcadia, Alva, Avon Park, Bonita Springs, Bradenton, Cape Coral, Charlotte County, Clewiston, Collier County, Desoto County, Englewood, Felda, Fort Myers, Ft. Myers, Glades County, Golden Gate, Hardee County, Hendry County, Highlands County, Immokalee, La Belle, Labelle, Lake Placid, Lee County, Lehigh, Lehigh Acres, Manatee County, Moore Haven, Naples, Nokomis, North Port, Osprey, Palmdale, Port Charlotte, Punta Gorda, Sarasota, Sebring, Venice, Wauchula, Zolfo Springs.

At the Harris Law Firm, we provide aggressive, prompt, and ethical advocacy on behalf of individuals and families who have suffered serious personal injury, accident injury, and wrongful death. Contact us today.

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