Car accidents are stressful enough without discovering that the other driver has little or no insurance. Unfortunately, uninsured and underinsured drivers are a serious problem in Florida. If one of them causes your crash, however, know that you might still have legal options for compensation.
At Garvin Injury Law, our Fort Myers car accident lawyers can help you pursue the maximum financial recovery you need and deserve. With over 50 years of combined experience and tens of millions recovered for our clients to date, we know how to handle complex insurance disputes in this area of the law as well as anyone.
Call our Fort Myers law offices today at (239) 277-0005 to schedule a free consultation.
How Garvin Injury Law Can Help After an Uninsured or Underinsured Motorist Accident in Fort Myers, Florida
Uninsured/underinsured motorist (UM/UIM) claims can be especially complex in a no-fault state like Florida. Our experienced Fort Myers uninsured/underinsured motorist accident lawyers will step in to protect your rights and handle the process from start to finish.
When you hire Garvin Injury Law, our legal team can help by:
- Reviewing your insurance policy and identifying all of the available coverage
- Investigating the cause of your crash and gathering evidence to prove fault
- Calculating the full extent of your economic and non-economic damages, including future losses
- Handling the negotiations with the insurance companies
- Filing a lawsuit and taking your case to court if necessary
Our Fort Myers personal injury attorneys understand how frustrating it can be to deal with these claims. We’ll take over the communications with the insurers so you can focus on your health and getting your life back on track.
How Uninsured/Underinsured Motorist Coverage Works in Florida
Florida follows a “no-fault” insurance system, which means you must first turn to your personal injury protection (PIP) policy for benefits after a crash. PIP covers your medical bills and part of your lost wages regardless of who was at fault, up to your policy limits.
However, PIP coverage is limited and does not compensate you for pain and suffering and many other kinds of damages. That’s where UM/UIM coverage can help.
Uninsured motorist coverage applies when the at-fault driver has no liability insurance, or when you’re injured in a hit-and-run and the driver cannot be found. Meanwhile, underinsured motorist coverage could apply when the at-fault driver’s insurance/assets are not enough to cover your full damages.
Florida doesn’t require UM/UIM coverage, but it’s one of the most valuable protections you can have. Your lawyer can help you determine whether this coverage applies to your case and how to maximize your payout.
Contact Our Fort Myers Uninsured/Underinsured Motorist Accident Attorneys for Help
If you were injured in a car accident in Fort Myers, FL, with an uninsured or underinsured driver, you might still be able to take legal action. Garvin Injury Law can help you navigate the insurance process and help you make the most of your claim to the best of our ability.
Contact us today at (239) 277-0005 for a free consultation with a trusted Fort Myers uninsured/underinsured motorist accident attorney.