Uninsured/Underinsured Motorist Coverage

Our Experienced Attorneys Help Individuals Make Claims Under Uninsured/Underinsured Motorist Coverage Following an Accident in Florida

Uninsured and underinsured motorist coverage plays a crucial role in protecting Florida drivers involved in accidents with uninsured or inadequately insured motorists. This type of policy provides essential financial protection when a negligent driver lacks sufficient insurance to cover damages from a car accident. If you’ve been in an accident with an uninsured motorist in Hollywood, FL, you may feel overwhelmed and unsure of your legal options. Our uninsured accident coverage lawyers at Cohen and Cohen Law can help you navigate the complex legal process and fight for the compensation you need.

Florida law requires drivers to carry personal injury protection (PIP) insurance, but this may not be sufficient to cover all expenses in severe accidents. Uninsured/underinsured motorist coverage (UM coverage) fills this gap, offering additional financial protection beyond the limits of a standard insurance policy. This coverage helps compensate for damages and injuries sustained due to the negligence of uninsured or underinsured drivers.

With over 50 years of experience in personal injury law, Cohen and Cohen Law has successfully represented numerous clients in uninsured/underinsured motorist cases. Our attorneys are well-versed in Florida insurance regulations and use their knowledge to build strong lawsuits on behalf of clients, seeking fair compensation for medical expenses, lost wages, and pain and suffering.

Schedule a free consultation by calling us today at 800-33COHEN800-33COHEN or by filling out our online form. The lawyers at Cohen and Cohen Law guide clients through every step of the claims process, helping them seek the compensation they need for their injuries and damages.

Key Takeaways

• Cohen and Cohen Law assists with uninsured/underinsured motorist claims in Hollywood, Florida
• Uninsured/underinsured coverage protects drivers when accidents involve inadequately insured motorists
• Prompt action and thorough documentation are crucial when filing uninsured/underinsured motorist claims
• Experienced attorneys can help navigate complex insurance policies and negotiate fair compensation
• Cohen and Cohen Law offers free consultations for uninsured/underinsured motorist accident cases throughout Florida

Uses of Uninsured or Underinsured Motorist Coverage in Florida

Uninsured/underinsured motorist coverage in Florida protects drivers when they are involved in accidents with individuals who lack sufficient liability insurance. An injured driver’s own require Personal Injury Protection (PIP) coverage may not be sufficient to cover all losses. Uninsured/underinsured motorist coverage can help pay for the following when losses exceed the at-fault driver’s insurance limits or when they have no insurance at all:

• Medical expenses
• Lost wages
• Pain and suffering

In cases where health insurance does not cover all accident-related medical costs, uninsured/underinsured motorist coverage can bridge the gap. This coverage also extends to passengers in the insured vehicle and can be crucial in the event of a wrongful death claim due to an accident with an uninsured or underinsured driver. A knowledgeable Florida motor vehicle accident lawyer at Cohen and Cohen Law can guide you if you find yourself in a situation like this anywhere throughout Florida.

What To Do When a Motorist Who Causes an Accident Doesn’t Have Insurance or Doesn’t Have Enough Insurance in Florida

When a motorist causes an accident in Florida without insurance or with insufficient coverage, the injured party should immediately contact law enforcement and seek medical attention, even for seemingly minor injuries. This step is crucial, as it creates an official record of the incident and helps to ensure prompt treatment for any injuries, including those that may not be immediately apparent, such as nursing-related injuries or motorcycle accident trauma.

The next step involves gathering as much information as possible about the uninsured or underinsured driver, including their contact details and vehicle information. It’s also essential to document the accident scene, collect witness statements, and take photographs of any property damage or visible injuries. This evidence can prove invaluable when pursuing compensation through uninsured/underinsured motorist coverage or other legal avenues.

Finally, contacting an experienced personal injury attorney, such as those at Cohen and Cohen Law, is crucial to protect one’s rights and explore all available options for compensation. These legal professionals can help navigate complex insurance claims, negotiate with insurance companies, and pursue legal action if necessary to recover damages for medical expenses, lost wages, and other losses due to the accident, including cases involving medical malpractice or severe injuries requiring long-term care.

Using Uninsured Motorist Coverage Following Hit and Run Accidents in Florida

Hit and run accidents in Florida can leave victims with severe injuries, including those caused by trucks, and mounting medical bills. Uninsured motorist coverage proves invaluable in these situations, providing a safety net for those affected by drivers who flee the scene. Cohen and Cohen Law’s experienced attorneys and paralegals based in Hollywood, Florida assist clients in navigating the complexities of uninsured motorist claims following hit and run incidents throughout the state.

Victims of hit and run accidents often experience significant pain and suffering, both physical and emotional. Uninsured motorist coverage can help compensate for these damages, as well as cover medical expenses and lost wages. Our team at Cohen and Cohen works diligently to help clients pursue the maximum compensation under their policy.

In some cases, hit and run accidents may involve product liability issues, such as defective vehicle parts contributing to the incident. Cohen and Cohen Law’s attorneys seek to investigate all aspects of the accident in order to identify potential liable parties and pursue additional avenues for potential compensation.

Our comprehensive approach aims involves many steps to seek appropriate compensation for clients:

• Gather evidence from the accident scene
• Identify potential witnesses
• Review police reports and surveillance footage
• Consult with accident reconstruction experts
• File uninsured motorist claims
• Negotiate with insurance companies
• Pursue legal action when necessary

What is Covered Under Uninsured and Underinsured Motorist Coverage in Florida

Uninsured and underinsured motorist coverage in Florida provides protection for individuals who suffer injuries due to accidents caused by drivers with insufficient or no insurance. This coverage typically includes compensation for medical expenses — including physical therapy, lost wages, and pain and suffering. Cohen and Cohen Law’s experienced attorneys help clients navigate these claims, helping them pursue the full benefits of their coverage.

In addition to auto accidents, uninsured and underinsured motorist coverage may extend to other situations, such as premises liability cases or pedestrian accidents involving distracted driving. This coverage can be particularly valuable when the at-fault party’s property insurance or other liability coverage is inadequate to fully compensate the injured person. Our team at Cohen and Cohen Law works diligently to identify all potential sources of compensation for our clients.

It’s important to note that uninsured and underinsured motorist coverage in Florida has limits and exclusions. Understanding these details is crucial when seeking to maximize the benefits of this coverage:

• Coverage limits may vary depending on the policy
• Some policies may have deductibles or waiting periods
• Certain types of vehicles or accidents may be excluded from coverage
• Time limits may apply for filing claims
• Subrogation rights may affect the final compensation amount

The importance of Uninsured Motorist Coverage and Underinsured Motorist Coverage becomes apparent when one considers the increasing number of distractions for drivers on the road, the fact that many drivers in Florida choose the minimum insurance option or do not have insurance altogether, and the potential monetary cost and potential catastrophic injury scenarios that can present themselves in an instant due to unsafe practices like distracted driving, like texting while driving, drowsy driving, reckless driving, or drunk driving.

Many drivers regularly breach their duty of care to avoid harming other drivers, often without incident. When incidents do occur, it is often these drivers with minimal or no insurance who are involved, and their lack of sufficient liability insurance places injured drivers in a difficult predicament when Personal Injury Protection is not enough to help them. If you suffer a hit and run accident or another one of these scenarios, you can be left at the mercy of the insurance company if you seek to pursue an underinsured/uninsured motorist claim on your own without an attorney.

Is Uninsured/Underinsured Motorist Coverage Required in Florida?

Uninsured/underinsured motorist coverage is not legally required in Florida. However, insurance companies must offer this coverage to policyholders, who can choose to accept or reject it in writing. This information is typically included in the insurer’s privacy policy and detailed in the policy documents.

While not mandatory, uninsured/underinsured motorist coverage is a valuable asset for drivers in Hollywood, Florida and throughout The Sunshine State. It provides protection in various scenarios where the at-fault party lacks sufficient insurance coverage. This coverage can help drivers be prepared with more comprehensive protection in case of accidents involving underinsured, uninsured, or hit-and-run drivers.

Making a Claim Using Uninsured/Underinsured Motorist Coverage in Hollywood, Florida

Filing a claim using uninsured/underinsured motorist coverage in Florida requires prompt action and thorough documentation. Individuals involved in motor vehicle accidents with uninsured or underinsured drivers should contact their insurance company immediately to report the incident and initiate the claims process. This is especially crucial in cases involving severe injuries, such as traumatic brain injury, which may require extensive medical treatment and long-term care.

When making a claim, it is essential to provide detailed information about the accident, including police reports, witness statements, and medical records. Cohen and Cohen Law’s experienced attorneys can guide clients through this process, collecting necessary documentation while respecting their privacy.

Insurance companies may attempt to minimize payouts or deny claims altogether, making it crucial for individuals to seek legal representation. Our attorneys at Cohen and Cohen Law in Hollywood, Florida work diligently to negotiate with insurance companies and, if necessary, pursue litigation in pursuit of fair compensation for motor vehicle accident victims. Our experience in uninsured/underinsured motorist claims helps helps us to aid victims throughout Florida in seeking the financial support they need to recover from their injuries and move forward with their lives.

Why Hire a Lawyer for Uninsured Motorist Claims in Florida?

When an uninsured motorist causes an accident, the legal process for seeking compensation becomes more complex. Your own Personal Injury Protection (PIP) may not cover all of your injuries and losses in the aftermath of a car accident caused by someone else’s negligence. A UM insurance policy can help you in the aftermath of a hit and run accident or in a case where the other driver has insufficient or no insurance through which to pursue compensation by proving their legal liability.

Navigating the intricate web of insurance policies and legal frameworks requires the knowledge of a skilled lawyer experienced in uninsured motorist claims. Despite the importance of UM coverage in these situations, an insurance company will still aim to minimize their payouts in the interests of their company. You need someone in your corner who is familiar with uninsured/underinsured motorist cases and ready to pursue your interests. Our knowledgeable uninsured motorist attorneys at our Hollywood, Florida law firm can help you understand your rights, gather evidence to support your case, file your UM claim ahead of the statute of limitations, and negotiate with insurance companies to seek the maximum compensation you need.

Understanding the Complexities of Uninsured Cases

Uninsured motorist claims present unique challenges. These cases often involve multiple insurance policies, complex legal statutes, and intricate negotiations with insurance companies. Navigating these complexities without guidance can be overwhelming and may lead to a less favorable resolution.

An experienced lawyer understands the nuances of uninsured motorist claims and can advocate for client’s rights. Our attorneys at Cohen and Cohen Law possess the skills to gather and present compelling evidence, interpret insurance policies, and negotiate with insurers to pursue the maximum compensation allowed under the law. With the guidance of our Florida accident attorneys, individuals can focus on their recovery while their attorney handles the legal intricacies of their case.

Navigating the Legal Framework and Insurance Policies in a Florida Uninsured Motorist Claim

Uninsured motorist claims involve a complex interplay of state laws, insurance regulations, and policy language. An experienced attorney possesses a deep understanding of the legal framework governing these cases and can skillfully navigate the intricacies to protect clients’ rights.

Insurance policies for uninsured motorist coverage can be challenging to interpret, with various exclusions, limitations, and conditions. A knowledgeable lawyer can thoroughly review and analyze these policies, helping victims of uninsured or underinsured motorists seek the full benefits under the terms of their coverage.

Seeking Maximum Compensation With Skilled Representation for Your Uninsured or Underinsured Motorist Claim

Skilled representation by knowledgeable vehicle coverage lawyers is crucial for seeking to maximize compensation in uninsured motorist cases in Florida. The attorneys in our Hollywood, Florida law firm employ strategic approaches to increase the value of clients’ claims throughout the state while helping them avoid common pitfalls that can diminish their potential compensation.

Strategies to Increase Your Claim’s Value

Our experienced uninsured motorist attorneys utilize a range of strategies to maximize the value of our clients’ claims. We meticulously gather and present compelling evidence, including police reports, medical records, and witness statements, to demonstrate the extent of the damages suffered.

Our lawyers also collaborate with accident reconstruction specialists and medical experts to strengthen the case and justify claims for higher compensation amounts. By thoroughly investigating the case and exploring avenues for potential recovery, we help our clients pursue the maximum compensation possible under the law.

Avoiding Common Pitfalls That Diminish Compensation in Florida Uninsured Motorist Claims

Uninsured motorist cases are fraught with potential pitfalls that can significantly reduce a claimant’s potential compensation. Our lawyers in Hollywood, FL, are well-versed in identifying and avoiding these common mistakes.

We guide our clients against providing recorded statements to insurance companies without legal representation, as these statements can be used to undermine the claim’s value. Moreover, our experienced attorneys help clients pursue appropriate medical treatment and follow through with all recommended care, as gaps in treatment or failure to adhere to medical advice can be used by insurance companies to minimize the claim’s worth.

By guiding clients through the process and helping them sidestep these pitfalls, our skilled lawyers protect the value of the claim and pursue strategies to seek maximum compensation.

Strategies to Increase Your Uninsured or Underinsured Motorist Claim’s Value

Our attorneys employ proven strategies to maximize the value of uninsured motorist claims. We conduct thorough investigations, gathering compelling evidence from police reports, medical records, and eyewitness accounts to build a strong case for maximum compensation.

Our skilled attorneys also work closely with accident reconstruction specialists and medical experts to demonstrate the full extent of the damages suffered. By presenting a comprehensive and persuasive case, we position our clients to seek the highest possible settlement or court award under the law.

Avoiding Common Pitfalls That Diminish Compensation in Uninsured Motorist Claims

Our experienced uninsured motorist attorneys protect accident victims from common mistakes that can reduce potential compensation. We guide our clients to avoid providing recorded statements to insurers without legal representation, as these can be used to undermine the claim’s value.

Skilled lawyers also help clients access proper medical treatment and follow recommended care. Gaps in treatment or failure to follow medical advice can be exploited by insurance companies to minimize the claim’s worth.

How Your Accident Attorney Can Help You Make a Claim Under Uninsured/Underinsured Motorist Coverage in Florida

An experienced accident attorney from Cohen and Cohen Law can provide invaluable assistance when making a claim under uninsured/underinsured motorist coverage in Florida. The legal professionals in our Hollywood, Florida law firm understand the complexities of insurance policies and can help clients throughout Florida navigate the claims process. We work diligently to help clients pursue fair compensation for their injuries and losses.

The legal team at Cohen and Cohen Law guides clients through every step of the claims process, from initial filing to final resolution. Our comprehensive approach includes:

• Evaluating the extent of injuries and damages
• Reviewing insurance policies to determine available coverage
• Negotiating with insurance companies on behalf of clients
• Preparing and filing necessary legal documents
• Representing clients in court proceedings if required
• Ensuring compliance with all legal deadlines and requirements

Schedule a Free Consultation with Cohen and Cohen Law to Discuss Your Uninsured/Underinsured Motorist Accident Case

Uninsured/underinsured motorist coverage provides crucial protection for drivers in Florida when accidents involve motorists lacking adequate insurance. UM coverage helps compensate for damages and injuries sustained due to the negligence of uninsured or underinsured drivers, filling the gap left by standard insurance policies. Cohen and Cohen Law’s experienced attorneys assist clients in navigating the complexities of uninsured/underinsured motorist claims, working diligently to seek fair compensation for medical bills, lost wages, and other damages.

Cohen and Cohen Law offers free consultations to individuals involved in uninsured/underinsured motorist accidents in Hollywood, Florida and throughout the state. During these consultations, our experienced attorneys review the details of the case, including any evidence collected from the accident scene or car rental companies involved. This initial meeting allows motor vehicle accident victims to understand their legal options without incurring any fee. Schedule a free consultation today by calling 800-33COHEN800-33COHEN or filling out our online form.

Experience Matters — Serving Florida for Over 50 Years

Frequently Asked Questions about Uninsured/Underinsured Motorist Coverage in Florida

What is uninsured/underinsured motorist coverage in Florida?

Uninsured/underinsured motorist coverage in Florida is optional insurance that protects drivers if they’re involved in an accident with someone who lacks sufficient insurance or has no insurance at all. This coverage helps pay for medical expenses, lost wages, and other damages when the at-fault driver can’t fully compensate the victim.

How do I make a claim using uninsured/underinsured motorist coverage in Hollywood, Florida?

To make an uninsured/underinsured motorist claim in Hollywood, Florida, contact your insurance company immediately after the accident. Provide details about the incident and the other driver’s lack of sufficient coverage. Your insurer will guide you through the claims process and may require additional documentation to support your case.

Is uninsured/underinsured motorist coverage mandatory in Florida?

Uninsured/underinsured motorist coverage is not mandatory in Florida. However, insurance companies are required to offer this coverage to drivers, who can choose to accept or reject it in writing. Many legal professionals guide their clients to purchase this coverage for added protection in case of an accident with an uninsured driver.

Can I use uninsured motorist coverage for hit-and-run accidents in Hollywood?

Uninsured motorist coverage in Hollywood, Florida typically extends to hit-and-run accidents. If you have this coverage, it can help pay for medical expenses, lost wages, and other damages from a collision with an unidentified driver who flees the scene. It’s crucial to report the incident promptly.

How can an attorney help with uninsured/underinsured motorist claims in Florida?

An attorney can assist with uninsured/underinsured motorist claims in Florida by investigating the accident, reviewing insurance policies, negotiating with insurance companies, and pursuing legal action if necessary. An experienced Florida car accident attorney can help seek maximum compensation for injuries, medical bills, and lost wages when the at-fault driver lacks sufficient coverage.