After being hit by an underinsured driver in Florida, damages will be covered by your insurance policy. You'll have to file a claim with your insurance company and you can sue the at-fault driver for additional damages. You can easily rely on the sound representation available at the Law Offices Of Sean M. Cleary.
Auto accidents are highly stressful events, especially when you suffer due to another's negligence. The Law Offices Of Sean M. Cleary is committed to helping restore your peace of mind.
In Florida, the system used for auto insurance is a no-fault one.
Florida is a no-fault state, and every vehicle owner is required to carry their own auto insurance. An underinsured driver has minimum insurance that does not cover all the expenses of a possible accident. What this usually means is that an underinsured driver will not be able to pay the full amount of damages.
An underinsured driver is a person who bought insurance that does not cover all the expenses of a possible accident. If an underinsured driver hits you and damages your car or your physical integrity, his or her insurance policy will not cover all the damages.
There are a lot of underinsured drivers out there. If you want to be covered in case of an accident, you can add underinsured motorist coverage to your own policy. This clause will protect you from drivers whose liability limits are too low and cover your potential damages extensively.
When you purchase a car, proof of insurance is required to obtain the appropriate vehicle registration. The minimum limits for Florida vehicle insurance coverage are:
Personal Injury Protection covers 80% of your medical bills and 60% of your lost wages after an accident, regardless of fault, up to $10.000 in general, and property damage coverage. The kicker is that Bodily Injury Coverage is not mandatory in Florida.
If you do not have underinsured motorist coverage, you were seriously injured, and you believe you can recover from the negligent driver, they are the person you need to sue.
If you are injured in an accident caused by an underinsured driver in Miami, you will be unable to cover all of your expenses, including:
However, before you decide to sue the driver, there are some things you need to remember.
Suing may not be the best option if you want to recover the damages, collect the insurance, get well, and repair your car fast. Contact Miami-based lawyer Sean M. Cleary for a free consultation if you were injured by an underinsured driver.