Fort Lauderdale Uninsured & Underinsured Motorist Accident Attorneys
Also assisting victims of underinsured motorist accidents in Florida
When you are in a serious accident that results in substantial injuries or you lose a loved one in a fatal vehicle crash, obtaining compensation is vital to getting the medical treatment you need and for covering the costs of these losses. While many people believe their no-fault insurance will cover the expenses of their injuries and other damages, this is often not the case. The high costs of medical care and other losses often exceed your minimum coverage and the coverage limits of the at-fault driver, if they had any coverage at all.
At Boone and Davis, PA, our Fort Lauderdale uninsured motorist accident attorneys have more than 30 years of experience helping victims of auto accidents recover the compensation they are entitled to under the law and their insurance policies. Our attorneys have a background in insurance defense, giving them insight into insurance tactics and how insurance companies avoid or minimize payments on claims. Using our experience, we protect your interests during strategic insurance negotiations. In addition, our highly experienced trial attorneys have the skills to obtain judgments in court and to seek additional personal injury or wrongful death compensation when allowed.
Florida auto insurance requirements
Under the Florida Financial Responsibility law, all drivers must have auto liability insurance coverage of at least the minimum limits, including:
- Bodily injury liability (BIL) of $10,000 per person and $20,000 per crash
- Property damage liability (PDL) of $10,000 per crash
- Personal injury protection (PIP) of $10,000 per person per crash
Personal injury protection is Florida’s no-fault insurance. PIP insurance covers your injuries regardless of who was at fault, as long as you seek medical attention within 14 days of your auto accident. It includes:
- 80 percent of medically necessary expenses
- 60 percent of lost wages
- 100 percent of such replacement services as childcare, housekeeping or yard work
- Up to $5,000 for death benefits
Bodily injury liability pays for death or serious, permanent injury to others when you cause an accident, and property damage liability pays for certain damages you cause to other vehicles and property.
Underinsured motorist coverage
While auto liability insurance is mandatory in Florida, the minimum limits are often insufficient to cover the expense of your injuries. When another driver is at fault in causing a crash that results in your injury, you should receive benefits from your own personal injury protection insurance along with benefits from the other driver’s bodily injury liability insurance, if they have it. But these low limits will likely not cover the costs of serious accidents. If you have optional underinsured motorist coverage, it can help make up for the difference between the minimum coverage and the full cost of your underinsured motorist accident. Underinsured motorist insurance not only covers additional medical bills and wage loss, but it also provides monetary compensation for your suffering after the minimum insurance protection is exhausted.
Uninsured motorist coverage
Despite the legal requirements for insurance, Florida has among the highest uninsured driver rates in the United States, with at least one out of every four drivers operating without insurance, according to the Florida Insurance Council. When you are injured in a crash caused by someone who has no insurance, having your own uninsured motorist coverage can be very beneficial. Uninsured motorist insurance covers medical expenses and lost wages in excess of your no-fault coverage, future medical expenses and future wage losses, and noneconomic damages, such as disability, pain and suffering, and the loss of the ability to enjoy life. Our Fort Lauderdale uninsured accident attorneys at Boone and Davis provide the experienced, steadfast help you need to ensure that your insurance company provides the coverage you are entitled to.
Contact Fort Lauderdale uninsured accident attorneys experienced in dealing with insurers and courtrooms
With more than 30 years of experience in trial and insurance negotiations, our Fort Lauderdale uninsured accident attorneys at Boone and Davis, PA are relied upon by our clients throughout Broward County and the state of Florida to recover the compensation they need after a car accident. And while our firm has a history of proven results that includes verdicts and settlements in excess of $1 million, we also have a history of client satisfaction. To learn more about how we can help in your case, contact us online or call 954-566-9919 for a free initial consultation.