Miami Uninsured Motorists Lawyer
The roads are more packed with cars than ever. According to IHS Automotive, there are 253 million automobiles in the U.S., meaning there is one car or truck for every 1.3 people. Thanks to the advancement of safety technology, fatalities have slowly been on the decline since the 1970s. However, according to the Insurance Institute for Highway Safety, there are over 30,000 fatalities every year. In 2012, over 2.5 million people sought emergency room care after being involved in auto accidents; 200,000 of these victims had to be hospitalized due to their severe injuries, including traumatic brain injuries, spinal cord and spinal column (vertebrae) damage, ACL tears, severe abrasions, and fractured bones. Many of these injuries costs tens or hundreds of thousands of dollars to repair, not to mention weeks or months away from work. Many of these people are never able to regain their health and mobility after a severe injury, and are never able to return to work at the same capacity as before. Contact our experienced Miami uninsured motorist lawyers for more information.
Despite the dangers of driving and the laws governing it, the Department of Motor Vehicles reports that one in seven motorists does not have auto insurance. This puts everyone else out on the road at great financial risk of capping out their own auto insurance policy following an accident that results in serious injury. Furthermore, the standards of Florida auto insurance are very lax, requiring just a bare minimum to operate a vehicle that puts others at such a great physical and financial risk. In Florida, it is only necessary to purchase$10,000 of Personal Injury Protection (PIP) insurance and $10,000 in property damage liability to legally operate a vehicle. If they were to cause a crash and serious injury, this coverage does the party, the injured victim, no good.
Uninsured or Underinsured Coverage in Miami
Auto crashes cost the U.S $100 billion a year in terms of lost productivity and medical costs. On a personal level, the cost can be even greater, with many families never able to recover from a serious injury. The prospect of sharing the roads with so many uninsured drivers does little to calm the nerves when hypothesizing the safety of operating a motor vehicle. However, there is an extra precautionary measure that you can take to protect yourself and your family’s finances. Uninsured or underinsured coverage (UM coverage) provides an extra measure of protection for you and the passengers of your car in the event of an accident. If the party that caused the crash (the negligent party) does not have liability insurance or simply not enough to cover your medical costs, UM coverage pays them. UM coverage can pay for medical bills, rehabilitation, pain and suffering, and funeral costs. It can also cover all the members of your household as pedestrians and cyclists as well, meaning that if they get hit by an uninsured driver on their way to school or the grocery store, UM will pay for the medical bills. Acquiring UM coverage can be thought of as protecting yourself and your family by purchasing liability coverage for all the road users in the chance that they do not have liability insurance, or do not have enough.
Our Miami Uninsured Auto Accident Lawyers are Here to Help
If you have been injured in an auto accident, or you simply want to purchase uninsured or underinsured motorist coverage, our experienced Miami lawyers are here to help. We at the Pendas Law Firm can make the UM coverage purchasing process smooth and easy, and will help you decide upon the best option for you and your family. Give us a call today and we get started on the perfect policy to protect yourself and your family from uninsured and underinsured drivers; or, we can advocate on your behalf if you need assistance with filing a claim.