Uninsured Motorists Claims in Florida

Florida is a no-fault auto insurance state, meaning that after a car accident, you will first turn to your own insurance company for compensation. However, your personal injury protection (PIP) policy may only cover a percent of your damages.

What happens when your injuries are serious or permanent, exceeding your PIP coverage and the other driver has no bodily injury insurance? This is where understanding your uninsured/underinsured motorist (UM/UIM) coverage can be vital.

No-fault insurance laws can be complex, especially when accident victims pursue compensation outside of their PIP. At Politis & Matovina, P.A., we have been fighting for the injured since 1993 and possess an in-depth understanding of these claims. Our attorneys can fight to get you the money you deserve.

Understanding Your Insurance Coverage

In Florida, all drivers are required to carry a minimum of $10,000 in PIP coverage. Accident victims draw from this policy first and may only be able to seek damages outside of their PIP when permanent injuries, permanent scarring, or disfigurement occur.

When the threshold for “serious injuries” is met, drivers may be able to recover damages through a UM/UIM claim. Florida does not require drivers to carry bodily injury insurance and in these cases, a claim against your own uninsured motorist coverage may be a driver’s only recourse.

Insurance companies must provide the opportunity to purchase uninsured and underinsured motorist coverage to their customers. Unless you sign a waiver specifically opting out of this coverage, it should be included in your policy.

At Politis & Matovina, we know that after an accident, you are likely to have a seemingly overwhelming number of questions. Our attorneys can help you understand your coverage and how to maximize the strength of your claim.

Compensation for the Injured

If you were hit by an uninsured or underinsured motorist or involved in a hit-and-run accident, you may be left to fight for a potential settlement. However, you do not have to deal with the insurance company alone. During the claims process, our attorneys can be in your corner, safeguarding your claim against unfair treatment every step of the way.

When you need to understand your legal options, do not trust the insurance company. Contact Politis & Matovina, P.A. today for your free consultation.