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.
Insurance — Insurance Claims in Miami, FL

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.
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