Uninsured & Underinsured Motorist Accident

David Helfand Advocates For Clients Injured In Uninsured & Underinsured Motorist Accidents

We all understand that we should ask the other driver for their insurance information after being involved in a auto accident. This can become more complicated when it becomes apparent that the other driver does not have the proper insurance coverage, or is not insured at all. In these cases, it is important to consult with an attorney who specializes in uninsured & underinsured motorist accidents before agreeing to any offer from the insurance company. David Helfand can help you evaluate your uninsured or underinsured motorist accident case.

The insurance company is highly motivated to settle your claim for the lowest possible amount. Agreeing to accept an amount from the insurance company can stop you from pursuing other potential avenues of recovery.

David Helfand will protect your right to be fully compensated for injuries sustained in an accident that a negligent driver caused, even if that driver failed to maintain insurance coverage or did not have enough coverage. David Helfand is dedicated to helping you receive the full and fair compensation in personal injury cases caused by negligent or reckless drivers, call now to schedule your free consultation.

Florida Insurance Requirements For Drivers

Florida insurance law imposes a duty on all drivers to carry minimum insurance coverage of:

• $10,000 in personal injury protection (PIP).

• $10,000 in property damage insurance.

Unfortunately, many drivers in Florida drive with no insurance at all. Alternatively, purchasing only the bare minimum required insurance coverage can result in a situation where the at-fault driver is underinsured in the case of a car accident that causes severe injuries or property damage.

If you have been injured in an accident that was caused by an uninsured or underinsured motorist, several options exist for recovering compensatory damages. Because Florida is a no-fault state, injured parties first look to their own insurance policies for compensation. Assuming that your own insurance coverage is insufficient relative to the amount of the injuries and damage, and the coverage of the at-fault party is also insufficient, the following options may be available to secure adequate compensation for the injured party:

• Uninsured Motorist Coverage: When an individual purchases bodily injury liability insurance, the policy will include uninsured motorist (UM) coverage in the same amount as the bodily injury liability coverage that is purchased. This coverage kicks in when the at-fault driver is either underinsured or uninsured, and it must be contained in the insurance policy, unless the insured individual specifically waived this coverage.

• Combining Policies: In some cases, an injured party may be covered in some way by more than one insurance policy. For example, two policies insuring two different cars. Some policies may allow each policy to be accessed for injuries resulting from the same accident.

• Personal Injury Lawsuit: It is possible to pursue a claim for compensatory damages against the uninsured or underinsured motorist insurance company. Because some vehicle owners and drivers do not have liability insurance coverage for pain, suffering, emotional distress, or simple inconveniences, a personal injury lawsuit may be the only avenue to recovering these types of damages.

CONTACT THE LAW OFFICES OF DAVID A. HELFAND TODAY

Getting legal help as soon as possible is important when it comes to getting you the insurance damages you are entitled to. Don’t wait or absorb the damages that your insurance company should be paying. Give the Law Offices of David A. Helfand a call to discuss your options.

Insurance — Insurance Claims in Miami, FL

It doesn’t matter if you have already collected insurance money for your claim or not, we can still help you get the compensation you deserve. David A. Helfand has been successful in getting his clients the insurance money they are entitled to.

DEALING WITH INSURANCE COMPANIES

Many of our clients paid insurance premiums dutifully every month expecting to be fairly compensated should the need for their insurance plan arise, only to find out that they received much less than they should have. If this has happened to you or someone you know, give us a call at 305-810-6590. We will evaluate your case, and, if we accept it, work hard for you in order to get you the insurance money you deserve.

CONTACT THE LAW OFFICES OF DAVID A. HELFAND TODAY

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Notable Cases Handled by

The Law Offices Of David. A Helfand, P.A.

Medical Malpractice - necessary surgery done in negligent manner resulting in lacerated intestine. $800,000.00 – settlement against Surgeon and Hospital.

Medical Malpractice - Misdiagnosed cardiac condition due to negligent study and reporting of diagnostic cardiac test resulting in death of 50-year-old woman - $3,000,000.00 settlement against Hospital and Cardiac radiologist

Medical Malpractice – Administration of medication and failure to recognize side effects causing brain injury – $2.3 million settlement against Hospital and Attending Physician.

Truck Accident – Truck made illegal U-turn at night without proper safety equipment to warn motorists resulting in collision, causing brain injury to oncoming motorist - $2,350,000.00

Uninsured Motorist Claim / Auto Accident – underinsured vehicle rear ended plaintiff, back and shoulder injuries, requiring surgery - $558,000.00 settlement against uninsured motorist insurance company.

Supermarket Slip and Fall – Plaintiff slipped on dropped fruit on floor, causing plaintiff to slip and fall resulting in shoulder and back surgery - $450,000.00

Supermarket Slip and Fall on Water – captured on store security system- knee injury -$125,000.00 settlement against supermarket

Near Drowning – At Hotel pool that failed to have property safety lines in pool and no lifeguard - $340,000.00 settlement with hotel

Workers Compensation Case – Worker fell off roof while working, sustaining catastrophic back injuries – all employers denied compensability - $2,000,000.00 Global Settlement

Workers’ Compensation Case - Dock Worker injured at work when delivery truck was not properly braked to the dock. Workers compensation settlement and settlement against truck company - confidential settlements

Negligence – Negligent supervision at school resulting in injured eye to student due to lack of supervision, Confidential settlement.

Premise Liability – household guest burned by fire when homeowner spilled hot oil on guest while cooking- $300,000.00 settlement with Homeowner’s Insurance Company.

Slip and Fall – on wet floor in restaurant bathroom resulting in fractured ankle- $325,000.00 Jury Verdict.

Law Offices of David A. Helfand P.A.

1 SE Third Ave., Suite 2120

Miami, FL 33131

305-810-6590

David@DHelfandPA.com

Office Hours:

Mon - Fri: 8:45 am - 5:30 pm
Sat - Sun: Closed

Available 24 Hours

Home and Hospital Visits Available