Orlando Uninsured Motorist Coverage Lawyer
Auto collisions are frequent and expensive. Not only are the medical procedures costly, but the injuries sustained in a traumatic car accident are often long lasting and cause chronic pain, disfigurement, and disabilities for years to come. Lost wages from time taken off work and even the loss of a job due to a permanent or semi-permanent disability both take a heavy blow to even the well-insured victim’s pocket. But if you did not cause the accident, you won’t be held financially liable and therefore the costs will fall onto the shoulders of the negligent party, correct? In an ideal world that would be true, but millions of Americans irresponsibly and selfishly drive without motorist insurance. The cost, in that case, will unfortunately fall to the victim, not the negligent party.
The average auto accident claim was $3,221 in auto property damage and $15,443 in bodily injury, according to the Rocky Mountain Insurance Information Association. However, Florida law only requires a bare minimum of $10,000 personal injury protection insurance and $10,000 in property damage coverage. The former only covers the personal injury of the other party, while $10,000 in property damage coverage does nothing for your medical costs. Moreover, not only are the minimums for a driver to legally be driving down the highway too low in our state, but there are many that have no insurance at all. According to the Insurance Research Council, 12.6 percent of drivers did not have insurance in 2012. While you yourself may have health insurance, uninsured motorist coverage (UM coverage) pays the medical expenses, pain and suffering, and lost wages for all of the passengers in your car, whether they are protected by their own insurance policies or not, according to the Department of Motor Vehicles. Call an experienced Orlando uninsured motorist coverage lawyer today to discuss the policy appropriate for you.
Discussing The Complex Policy Limits Of Uninsured Motorist Coverage With Your Lawyer
The higher the UM coverage limit, the more you can fully protect yourself and those in your car from the damages caused by uninsured or underinsured motorists. For one thing, the number of people in your vehicle at the time of the crash, and the severity of the injuries, will determine how much financial coverage each person is given. UM coverage comes as an option between a split limit and a combined single limit. A split limit of $15,000/$30,000, for an example, would mean that a single person would be covered by a maximum of $15,000 and the total coverage for everyone else in the vehicle would be $30,000. A combined single limit would cover a maximum of $30,000 total per accident.
Contact Our Experienced Orlando Uninsured Motorist Lawyers
Deciding the limit that will best suit your needs is an important decision, and one that may require legal guidance. Contact one of our experienced Orlando uninsured or underinsured motorist lawyers today at The Pendas Law Firm at 1-888-573-6327 to discuss your options.