In some car accidents, the responsible driver does not have insurance, or does not have enough insurance to cover the needs of accident victims. If a negligent driver caused your injury and does not have adequate coverage, you may be able to file an uninsured (UI) or underinsured (UMI) claim with your insurance company for benefits covered under your policy. Unfortunately, profit-motivated insurance companies often delay or reject uninsured/underinsured claims. Uninsured motorist lawyers at Burnetti, P.A. help clients with their claims so that they receive the compensation they need.
Personal Injury Protection (PIP) Insurance
Florida is a “no-fault” insurance state. Personal Injury Protection (PIP) is required for all Florida policies and covers you, and in some cases, relatives living in your household. Most PIP policies provide for $10,000 in benefits, although additional benefits may be purchased at a higher cost. If you are involved in a car accident, your medical bills and lost wages must be submitted to your own insurance company first, regardless of who is at fault. Under a $10,000 PIP policy, your insurance pays the first $10,000 in medical bills and lost wages (excluding your deductible).
Bodily Injury Liability Insurance
If your medical bills and lost wages are more than $10,000, the negligent driver’s bodily injury liability insurance covers the remaining costs. If the negligent driver does not have enough insurance, then an uninsured/underinsured claim may provide you with the additional money that you need to pay your bills and take care of your family.
Contact a Lawyer Representing Victims of Uninsured Motorist Accidents
If the insurance company is delaying paying your claim, or if they have denied your claim, an uninsured motorist lawyer at Burnetti, P.A. may be able to help you understand the complicated insurance policies and provide you with legal representation so that you receive the benefits you need. For a free, no-obligation consultation, fill out the case review form or call 1-888-BURNETTI.