There are laws for uninsured and underinsured drivers that provide to the victims, the passengers, and pedestrians with a solution even though the person at-fault didn’t have any insurance, or didn’t have a quality insurance. Legal practitioners will make this process easier for you because at time, insurance companies can be difficult in these types of situations. Everyone is required to have a valid insurance, but some states do not require for the drivers to hold bodily injury coverage if they choose not to.
Were you aware that there are about one in eight people who are uninsured? Undergoing an accident with someone who is uninsured or underinsured can be a great pain, and can cost a lot, especially if you were counting on them to pay the cost of your damages. Car insurance is focused on two coverages: bodily injury coverage; covers any injuries are any cost associated with an injury and property damage liability; protects your home, or damages done to your vehicle.
Presently, there are 20 states that have requirements for uninsured and/or underinsured coverage. Some states mandate you to have property damage, while it is not even offered in other states.
Filing a Claim for Uninsured/ Underinsured Vehicle Accidents
This process can be tricky at times due to you might having to prove your own case. Our legal practitioners can aide you and give you a worry-free stage while filing a claim. Take note of things that will be required before making your claim:
- A record of the sequence of occurrences
- Photographs of the scene and the injuries received
- Medical examination records and bills
- Any receipts related to any expense as a result of the injury or damage
- Loss wages: if those injuries prevented you from working and gaining an income
In taking these steps, it will provide evidence for attaining the maximum reward through the claim.
Facts About Vehicle Insurance
Depending on the state, insurance companies are obligated to promote uninsured, as well as underinsured protection to all of their policy holders and have them ‘deny’ the coverage in writing. If the policy holder does not reject the coverage, the by law, the insurance companies have to give uninsured insurance. Many people are unaware that this even exist. They do not know that they have an option when it comes to being covered if they were to get in a car accident in Miami with someone who was uninsured or underinsured.
There is the term “no fault” coverage benefits for vehicle accident claims. In Florida, it is mandated to hold an insurance of a minimum of $10,000 to cover the driver and the passengers medical and any other expenses due to the accident. We have a skilled set of legal practitioners who have dealt with many uninsured and underinsured claims, and will, without a doubt, aid you and you loved ones in filing a claim.
Insurance Companies Do Not Sympathize
The majority of the time, insurance companies will want to do the claim by their own company, but provide to support for the claimer. They only care about what benefits them most, and do not care about the trauma or injuries that one can come about after an accident. They will not cover the full amount of your damages, because they do not factor in all the information of the accident. Here at Percy Martinez a Personal Injury Attorney. We truly try to find the best for anyone who has experienced uninsured/underinsured accidents. Do not settle for less. Seek justice for what is owed to you.