Bernstein & Maryanoff

Florida Car Accident Lawyers
Explaining Uninsured Motorist Coverage

When Florida car accidents occur, the first entities other than the drivers to get involved with the aftermath are usually the respective insurance companies.  However, despite a Florida law that requires auto coverage for drivers, not everyone has insurance coverage that protects both them and other drivers when collisions take place.  When this situation arises, many people are not sure how to proceed, but with the help of experienced Florida car accident lawyers , there are options available.

Uninsured Motorist Coverage

One of the items of coverage that people who have insurance pay for appears on the policy and on the premium invoices simply as ‘UIM’, which stands for uninsured motorist coverage.  This coverage is paid for precisely to protect those who are injured by someone who does not have coverage.  Therefore, those who have been harmed in an accident and are looking for help to recover their damages must begin with their own insurance carrier.

Uninsured motorist coverage is basically designed so that the driver who has been injured can have his or her insurance carrier simply step into the shoes of the insurance company that the other driver does not have.  A claim for damages should be filed, and once it is the process of working out a settlement and payment on that claim begins.

Unfortunately, there are many instances when the injured driver’s insurance company steps into the shoes of the other driver’s protection completely.  This means that negotiating a settlement on a claim can become extremely difficult and tactics that are often used by insurance adjusters are also used on their own policyholders.  These tactics include low-ball settlement offers and delays.

How Florida Car Accident Lawyers Can Help

Florida car accident lawyers with experience in handling these matters can represent the injured driver in the same way as they would if help was needed securing a settlement with a different driver’s insurance company.  Attorneys with experience and a reputation that precedes them will generally be able to cut through the red tape that’s placed before many injured consumers, and many of the common tactics that are used against non-attorneys are simply not attempted against those who understand the law and how to obtain results.

Finally, if the situation calls for it, Florida car accident lawyers who have a track record of successfully representing their injured clients will not hesitate to file a Florida personal injury lawsuit against the insurance company if necessary.  If you find yourself in this situation, seek the help of Florida car accident lawyers who understand this process and how to efficiently work towards a fair result.  Contact Bernstein & Maryanoff today to schedule a free initial consultation.