Being involved in a car accident is a traumatic experience, made even more stressful if the at-fault driver lacks sufficient insurance to cover your losses. Uninsured and underinsured motorist (UM/UIM) coverage is designed to protect you in such situations. Let’s explore why this coverage is essential and how a Fort Lauderdale car accident attorney can help you navigate these claims.
**Uninsured and Underinsured Motorist Coverage Explained**
Uninsured motorist coverage steps in when you’re involved in an accident with a driver who does not have auto insurance, or in a hit-and-run situation. Underinsured motorist coverage applies when the at-fault driver has insurance, but their policy’s limits are not enough to cover your damages.
Both UM and UIM coverage apply to physical injury costs, including medical expenses, lost wages, and pain and suffering. Some policies may also cover property damage.
**Why UM/UIM Coverage Is Essential**
There are two primary reasons why UM/UIM coverage is crucial for every driver:
- **High Rates of Uninsured Drivers:** Despite being legally required in most states, a significant number of drivers operate their vehicles without insurance.
- **Inadequate Minimum Insurance Requirements:** In many states, the minimum required insurance coverage is insufficient to cover the expenses arising from a serious accident.
Therefore, UM/UIM coverage acts as a safety net, protecting you from the financial burden that comes with being involved in an accident with an uninsured or underinsured motorist.
**Filing a UM/UIM Claim with the Help of a Fort Lauderdale Car Accident Attorney**
Filing a UM/UIM claim can be complex, and insurance companies often use strategies to minimize the payout. Here’s where a Fort Lauderdale car accident attorney can be invaluable.
- **Evaluating Your Claim:** Your attorney can thoroughly evaluate your situation to determine the full extent of your damages. This includes not only your current medical expenses and property damages but also any future medical costs and lost earning potential.
- **Negotiating with the Insurance Company:** Your attorney can negotiate with the insurance company on your behalf. This involves presenting strong evidence, standing firm against lowball offers, and aiming to secure the maximum compensation you deserve.
- **Filing a Lawsuit if Necessary:** If the insurance company refuses to offer a fair settlement, your attorney can file a lawsuit and represent you in court.
**Conclusion**
In a perfect world, every driver would carry adequate insurance coverage. Unfortunately, that’s not always the case. Uninsured and underinsured motorist coverage provides crucial protection when accidents occur with inadequately insured drivers.
While this safety net is essential, the claims process can be challenging to navigate alone. A Fort Lauderdale car accident attorney can offer much-needed guidance and support, ensuring your rights are protected and your compensation maximized.
Investing in UM/UIM coverage and having a competent car accident attorney on your side can make all the difference. It is about securing your peace of mind on the road and ensuring that, even in the worst scenarios, you have the protection you need and the legal support to help you through.
