Tampa Uninsured Motorist Coverage Lawyer
Given your chances of being involved in a traffic collision (there were 4.4 million people seriously injured on U.S. roads in 2015, according to National Public Radio), and the chances of the other driver having inadequate insurance or no insurance at all (in Florida almost one out of every four drivers, or 23.8 percent, has no insurance, according to the Insurance Information Institute), it is a very scary proposition to be left with minimal coverage of your own. Florida is, in fact, the second most likely state in which drivers are uninsured. Oklahoma is the only state with fewer insured drivers as a percentage of total drivers. An additional problem that Florida has is that the state’s minimum requirements mean that millions of legally insured drivers do not have a dime to give to the other party that they injure, aside from a bare minimum property damage allotment. Florida’s minimum requirement is $10,000 in property damage liability and $10,000 in personal injury protection, the latter of which only goes towards that party’s own injury expenses. This means that it can often be solely up to you or your own insurance to cover your health expenses, which can be astronomical in a catastrophic traffic collision.
To help counter these great expenses and better your odds of coming out with minimal financial damage in the event of a crash, you can purchase uninsured/underinsured motorist coverage to compliment your regular auto insurance and health coverage. Underinsured/uninsured coverage, also called UM coverage, can be used towards the following:
- Medical bills and expenses;
- Pain and suffering; and
- Lost wages from time off work;
UM coverage can be applied to every member of your family, as well as other occupants of your vehicle at the time of the crash, depending on the type of coverage you purchase. Many standard split or combined single limits top out at $30,000 in coverage. A split limit can be divided between occupants of your vehicle (each person has an individual limit in the crash), while a combined single limit is one amount that will be applied to all of the injuries in your vehicle. It is important to find the right limit for your individual needs, which is where a Tampa uninsured motorist coverage lawyer can offer valuable assistance.
Call an Experienced Tampa Underinsured/Uninsured Motorist Coverage Lawyer Today
If you have been involved in a car wreck, you know just how much physical, emotional, and financial damage can be done in just a split second of inattention. You should not be left suffering the financial consequences of another driver’s misdeeds. Call 1-888-573-6327 to reach The Pendas Law Firm in order to talk with one of our experienced Tampa uninsured/underinsured motorist coverage lawyers today. We will help you find the policy right for you and your family so that you aren’t left with a bill that cripples or damages your family’s financial future.