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Addressing At-Fault Drivers With Little To No Insurance

Last updated on July 3, 2023

In Florida, many people do not carry liability insurance coverage because the state does not mandate it. Between those who are uninsured and those who carry only the minimum insurance required by the state, meaning no liability insurance, there is a good chance that if you are involved in a car accident in Florida, the other person will not have sufficient insurance to cover you.

If you were injured by a driver who does not carry motor vehicle insurance or does not carry enough motor vehicle insurance to cover you, our personal injury lawyers at Valrico Law Group can evaluate your case for free and talk to you about your rights and options.

A Clear Example Of Why Uninsured/Underinsured Motorist Coverage Is Preferred

Uninsured motorist protection is a good – and relatively inexpensive – investment for your own protection and peace of mind. Uninsured and/or underinsured motorist coverage will cover you if you suffer injuries in a car crash caused by a driver who is uninsured or underinsured.

An Example Of An Accident Claim

An example of an underinsured driver would be one who carries $10,000 of liability insurance coverage, but causes an accident in which a victim incurs $100,000 in damages. How is that $90,000 of additional damage paid? Unless the victim has uninsured motorist coverage, it is not.

Another problem would be if the person causing the accident had $100,000 of insurance, but several people were injured in the accident and there is not enough insurance coverage to completely compensate all of them.

In Florida, unless you signed a waiver rejecting uninsured motorist coverage or selected uninsured motorist coverage in a lesser amount, your insurance company is required to provide you with it in an amount equal to the bodily injury liability insurance coverage you purchased.

How We Address Uninsured And Underinsured Motorist Cases

Our lawyers at Valrico Law Group will investigate whether you have this type of insurance. If your insurer claims you do not, we will ensure that you executed a valid rejection of the coverage prior to the accident, and that it is maintained by the insurer.

If necessary, we will file the appropriate lawsuit to establish uninsured motorist coverage if the insurer cannot provide proof of a waiver of coverage. We can also file the appropriate lawsuit to obtain coverage for you if you are injured due to the negligence of an uninsured or underinsured motorist.

Support When You Need It

Insurance companies have dozens of attorneys on staff to help minimize the amount you are paid for your claim. By hiring Valrico Law Group, you are no longer an individual against an adjuster and multiple levels of claims professionals along with a bunch of lawyers paid specifically to devise a way to pay you as little as possible.

Hurt By An Uninsured Driver? Get Help Today.

Being injured in a motor vehicle accident is a stressful experience that can be further exacerbated by uncooperative or combative insurance companies. When it comes time to write that check, do you really think you are in good hands? To learn about how our law firm is committed to protecting your rights and maximizing your recovery, call our law office in Tampa, Florida, today at 813-433-0331. You can also contact us online to arrange your free evaluation.