Uninsured Motorist/Underinsured Motorist Accidents
The Florida Insurance Council reports nearly 1 in 4 Florida drivers may be driving without insurance. Only New Mexico, Mississippi, Alabama and Oklahoma reported higher rates of uninsured drivers.
An accident caused by an uninsured or underinsured motorist in Fort Myers, Cape Coral or elsewhere in Southwest Florida can be devastating. Without professional, knowledgeable and aggressive representation, a victim may be without the opportunity to make a recovery adequate enough to compensate for medical bills, lost wages, pain and suffering and medical expenses.
At Associates and Bruce L. Scheiner, Attorneys for the Injured, our car accident attorneys put every resource into fighting for the rights of families whose lives have been impacted by an uninsured or underinsured motorist. Too often, the at-fault driver has a suspended license from a previous accident or a drunk driving conviction and should have never been on the road in the first place.
There is evidence that the economic downturn has resulted in an increased number of uninsured or underinsured motorists on the road. The Insurance Research Council reported in 2009 that 28 percent had shopped for lower rates and 15 percent had increased their insurance deductibles in response to the economic downturn. Nine percent reported canceling or not renewing polices due to economic hardship.
And even those motorists who have insurance may be drastically underinsured if they are carrying the state minimums of $10,000 personal injury protection and $10,000 property damage liability. Florida now has the lowest such minimums in the nation – joining Louisiana and Oklahoma, the only two other states to permit such drastically underinsured motorists on the road.
In the event of a serious accident, a minimum policy of $10,000 will be quickly exhausted in the emergency room. Consider this: The average cost of a medical helicopter ride in 2011 was approaching $15,000.
An uninsured motorist attorney in Fort Myers is critical when it comes to fighting for your rights and the financial well-being of you and your family in the wake of a car accident with an uninsured or underinsured motorist. In rare cases, we will make a claim against the assets of an at-fault driver. In other cases, we may be able to seek a recovery from other insurance policies in place in the at-fault driver’s household. In still other cases we may make a claim against your own insurance carrier.
Each case is unique. Seeking the best legal advice available is vital in the wake of any car accident, but never more so than when a victim is dealing with an uninsured or underinsured motorist claim.
At Associates and Bruce L. Scheiner, Attorneys for the Injured, we believe everyone has the right of immediate access to high-quality legal representation in the event of a serious or fatal accident. Please call our firm for a free and confidential appointment to discuss your rights. And remember: “You’ll pay us nothing unless we win.”
1-800-283-2900 – Associates and Bruce L. Scheiner – Focused on Justice