Uninsured Motorist Claims

Contact Our Coral Gables Car Accident Lawyer. You Don't Pay Anything Until You Win!

When a person is involved in a car accident, statements are taken and an investigation is made to determine who is liable for the accident. Once liability is determined, the at-fault party's insurance is required to pay for all relative damage and personal injury. So what happens if the liable party has no insurance at all? These situations are not hopeless. To prevent innocent accident victims from having to pay enormous medical bills for injuries they did not cause, the state of Florida requires all insurance companies to offer their customers uninsured motorist coverage equaling the amount of bodily injury coverage offered.

If the injured accident victim has elected this uninsured motorist coverage, their own insurance company will have to provide coverage for the damages and personal injuries they have suffered. There are even circumstances in which the injured accident victim has not elected this coverage in which their insurance company will still have to provide it for failing to comply with the special requirements of this law.

Don't Accept A Settlement That Is Less Than You Deserve

Though this is the law, many insurance companies may try to convince their customers to accept smaller settlements as a way of saving money and making more of a profit. If you have coverage for bodily injury and have been hit by an uninsured motorist, make sure you know your rights and the true insurance coverage you are entitled to. To build a strong case and obtain the compensation you deserve, get legal help from our accident lawyer right away.

About Uninsured Motorist Protection Plans

If you were involved in an accident that was caused by a driver who is not insured, then having uninsured motorist protection could be extremely beneficial. Persons who are covered by uninsured motorist protection can avoid the worry that would otherwise be experienced if an accident occurred with a driver who is legally at fault for the accident, but has no insurance coverage.

In the case of an uninsured motorist accident, the damages that result could be more than the at-fault driver can afford, especially considering the fact that he or she has not secured the proper insurance coverage. With an uninsured motorist protection plan in place, you could benefit from the following types of coverage:

• Uninsured Motorist Property Damage: Even if you already have collision coverage on your car insurance, uninsured motorist property damage, or UMPD, can still serve an effective purpose in the case of an accident. In the event that you are involved in an accident, UMPD can be a good way to ensure that your vehicle is protected without raising your premium. Very often, a lower deductible for UMPD is cheaper than collision coverage with the same low deductible.

• Uninsured Motorist Bodily Injury: Uninsured motorist bodily injury has proven to be extremely beneficial for pedestrians when an accident occurs. For example, a person who is hit by a car while crossing the street and who is not insured by uninsured motorist bodily injury will not be afforded coverage for lost wages. Medical payments coverage and health insurance do not account for the wages that could be lost due to time off work for recovery; however, with uninsured motorist bodily injury, these expenses can be covered as well.

If you were involved in an accident with an uninsured motorist, then you should not wait to start searching for a lawyer. Our legal team is prepared to help persons seek compensation for their injuries, regardless of whether or not they are covered by an uninsured motorist protection plan.

We are here to help!

Mesa Law Firm could provide you with the skilled representation that you need in order to go up against your insurance company. Without adequate compensation, you could end up paying for expensive medical bills out of your personal savings or your retirement fund, damaging your future financial security. Our firm has 15 years of experience in litigation, and we focus on personal injury law.

Our founding attorney, Joseph A. "Tony" Mesa, III, has been recognized as a recognized as a Rising Star℠ by Super Lawyers®, Florida Trend's Florida Legal Elite™ and Martindale-Hubbell, as well as a "Superb" (10 out of 10) rating by Avvo®.

We have what it takes to fight on your behalf, so call our offices today to schedule a case evaluation. Contact a Coral Gables car accident lawyer to discuss your options and to learn about our contingency fees.