Fort Myers Uninsured Motorist Coverage Lawyer
What do you do when an irresponsible motorist causes a crash that puts you in the hospital, only to later find out that they were entirely without insurance? Or, similarly, what if they only have Florida’s minimum of $10,000 in no fault PIP insurance and $10,000 in property damage liability?
According to Florida Department of Highway Safety and Motor Vehicles, the PIP insurance only applies to injuries they sustain, and the property damage liability coverage only applies to the damage they cause to your vehicle, which, compared to the medical costs and pain and suffering, may only be a small percentage of what your case is actually worth. Florida is already in bad shape if you look at the vast number of drivers that are out on the road without insurance. And, to add to that level of irresponsibility, there are millions of people who chose to take up the state’s offer on the absolute minimum requirements, and are therefore hopelessly underinsured when it comes to serious traffic collisions. A horrific crash can easily costs hundreds of thousands in medical bills. The medical procedures and surgeries for traumatic brain injuries, internal bleeding, spinal cord damage, severe lacerations, and other life-threatening injuries not only rack up incredible bills, but also necessitate weeks and months of recovery and rehabilitation. The financial compensation for pain and suffering can be incredibly high in these types of crashes. Not only will an uninsured or underinsured motorist not be able to cover any of the pain and suffering costs that victims are rightfully owed, but they will also not be able to cover the financial burden of the extreme hospital bills. Whatever the policy limit of your auto and health insurance, Uninsured/Underinsured Motorist (UM) coverage can help add to your protection. Contact an experienced Fort Myers uninsured coverage lawyer today to discuss the policy that is right for you and your family’s needs.
Uninsured Motorist Coverage and What it Covers
Somewhere around 14 percent of all U.S. drivers do not have auto insurance, leaving you and your family vulnerable in the event of a traumatic car crash. Uninsured Motorist (UM) coverage can go towards your medical bills, pain and suffering, and lost wages in the event of an auto collision, according to the Department of Motor Vehicles. UM coverage also protects the members of your family or any other occupants in your car at the time of the crash.
Don’t let an uninsured motorist cost you tens of thousands of dollars, as a collision with an uninsured or underinsured driver may not be covered in your basic liability insurance policy. Feel free to give us a call today at 1-888-573-6327 to discuss the perfect policy limit and the differences between split limit and a combined single limit UM coverage policy. Our uninsured and underinsured motorist coverage lawyers at The Pendas Law Firm have extensive knowledge and experience and seek to select the right plan for each one of our individual clients in Fort Myers.