If you drive a motor vehicle in Florida, chances are that when you arranged for auto insurance, as required by law, your policy came standard with uninsured/ underinsured motorist coverage (also sometimes referred to by acronym UM/UIM coverage). As Palm Beach car accident lawyers know, Florida law requires all insurance polices that provide bodily injury liability coverage to also provide UM/ UIM coverage – unless one has supplemental coverage that already provides it OR the insured supplies his or her written rejection of the coverage on behalf of all insureds under the policy. Anyone leasing a car for longer than a year has the sole privilege to either reject UM/UIM coverage or to lower the limits.
Uninsured motorist (UM) coverage will help cover your injury losses if those at-fault have no insurance at all, or in the case of a hit-and-run crash. Underinsured motorist (UIM) coverage is defined as a crash scenario wherein the at-fault driver is insured according to statutory minimum levels (notoriously low in Florida) but insufficiently to pay the injured person’s losses.
While more drivers have UM/UIM coverage than not, that doesn’t mean getting the auto insurance company to pay up is easy. Palm Beach car accident attorneys know the reality is all insurance companies are loyal their bottom line – not you, not matter how long you’ve been a faithful customer. This is why having an experienced car accident lawyer working with you from the start when you file your claim is important.
As outlined in F.S. 627.727, order to prevail in a UM/UIM claim, you must not only prove that you have coverage, but that the other driver(s) were negligent and liable for your injuries, that your injuries were serious enough to meet the “serious injury threshold” to step outside of the state’s no-fault system and that the at-fault driver(s) lacked adequate auto insurance to adequately cover your crash-related damages.
Hiring an injury lawyer with a track record of success in car accident settlement negotiations and in the courtroom is imperative. Continue reading →