Although Florida law mandates that drivers must be able to show that they can take financial responsibility for any accidents in which they are involved, nearly one-quarter of all drivers in the state have no insurance whatsoever. Most of these uninsured motorists have no means of providing compensation for any injuries that occur in the event that they are at fault for a serious accident. Does this mean that the injured parties are simply out of luck and will be forced to cover their losses and expenses out of their own pockets? Not necessarily.
The surest way to make sure that you are properly compensated in the event that you are injured in a collision caused by an uninsured motorist is to carry uninsured motorist coverage. By law, your insurance provider is required to offer you uninsured motorist coverage. In fact, the only way you can decline coverage is by signing a waiver document authorized by the Florida Department of Insurance.
The personal injury lawyers of the Charpentier Law Firm strongly encourage every Florida driver to carry uninsured motorist insurance. Coverage runs just a few extra dollars a month but could potentially save you thousands of dollars if you’re injured in an accident with an uninsured driver.
Of course, auto insurance companies are businesses with shareholders to answer to, and their ultimate goal is to maximize their profits. Most insurance companies do this by looking for any possible reason to pay less than the full value of a claim or to deny a claim outright. Unfortunately, they sometimes do this to policyholders who try to obtain compensation for injuries caused by an uninsured driver, even though they have uninsured motorist coverage. That’s where our auto accident lawyers can help.
Auto insurance companies are obligated by law to act in good faith in dealing with their policyholders. This means that they must honor the contracts they enter into with their policyholders down to the letter. Obviously, they have every right to deny fraudulent or otherwise illegitimate claims. However, when they deny a legitimate claim or try to underpay a claim, they are acting in bad faith.
The car, truck, and motorcycle accident lawyers of the Charpentier Law Firm handle the full range of auto accident cases on behalf of victims of Melbourne car accidents, uninsured motorist cases included. If you have uninsured motorist coverage and you were injured in an accident caused by someone without insurance, you have the right to be compensated for the losses and expenses resulting from the accident. If your insurance company is refusing to pay the money you are owed, our skilled and experienced attorneys can help. We have extensive experience in standing up to even the largest auto insurance companies in the state, and we would welcome the opportunity to stand in your corner.
Again, if you do not have uninsured motorist coverage for any reason, we urge you to contact your auto insurance representative today and purchase coverage immediately. Hopefully, you’ll never need the coverage, but if you do, you’ll be glad that you have it.