Uninsured Motorist Lawyer in Florida: Jacksonville Accident Attorney
Key Takeaways
- Florida’s 20.6% uninsured motorist rate ranks 7th in the nation.
- Uninsured motorist insurance in Florida covers expenses beyond the required personal injury protection limits.
- Your own insurance company may deny or undervalue your UM policy benefits.
The stress of an accident is compounded when the at-fault driver lacks the appropriate insurance coverage to offset medical expenses, lost wages, and vehicle repairs. Contact an uninsured motorist lawyer in Jacksonville to help you navigate the complexities of Florida’s vehicle insurance and no-fault state laws. We’ll protect your rights and pursue maximum compensation for damages.
Why You Need a Skilled Uninsured Motorist Lawyer in Jacksonville
Florida’s 20.6% rate of uninsured drivers ranks 7th in the nation, according to 2023 data from the Insurance Information Institute. With such a high statistical probability of being involved in an accident with an uninsured motorist, it’s critical that you carry uninsured motorist coverage to protect yourself and your property.
However, the frustrating reality is that even though you play by the rules and carry adequate insurance, you may still have to fight your insurer to receive what’s fair.
Insurance companies notoriously deny and lowball claims. Rick Alexander, an experienced local uninsured motorist accident lawyer, is familiar with their delaying tactics and effectively works to secure the policy benefits owed to injured clients.
Understanding Your Policy: UM vs. BI Coverage
The minimum auto insurance coverage requirements in Florida include $10,000 in personal injury protection and $10,000 in property damage liability. The PIP portion of the policy covers you, even if the other driver is at fault, and PDL covers the damage you cause to others. However, while not required in Florida, there are two optional coverage types that are highly recommended to protect yourself and your assets.
Bodily Injury Liability
While your property damage policy covers any property damage the at-fault caused others, the bodily injury coverage in Florida covers the physical injuries you caused by the at-fault driver’s carelessness, including past and future medical expenses, lost income, and pain and suffering. Unless there is an enumerated violation history, like a DUI, bodily injury isn’t required. That matters when you are in a crash that was the other driver’s fault: if the other driver doesn’t have bodily injury insurance, or doesn’t have enough, you could be out of luck—unless you have uninsured motorist coverage.
Uninsured/Underinsured Motorist Coverage
The high incidence of uninsured motorist collisions in Florida is a cautionary tale for anyone on the fence about its value. The UM endorsement covers your past and future medical costs, legal fees, lost wages, and pain and suffering if you’re injured by an uninsured or underinsured motorist.
Why Are So Many Uninsured/Underinsured in Florida?
While a driver may abide by the law and carry the minimum $10,000 limits, it’s often insufficient coverage for a major accident. However, the majority of UM cases involve individuals who simply can’t afford the soaring insurance rates on top of the rising costs of living.
When Your Own Insurance Becomes the Adversary
When you’re injured by an uninsured motorist, you rely on the support your UM policy was intended to provide. Unfortunately, those premiums you dutifully paid your insurer aren’t so readily available when you need them. The reality is, they add to the company’s bottom line, and paying claims reduces profits.
Adjusters become adversaries whose job it is to deny claims outright or pressure you into settling for a substantially undervalued offer.
An uninsured motorist accident attorney with trial experience is necessary to hold insurance companies accountable to the policies they sold you.
How a Jacksonville Uninsured Motorist Accident Attorney Maximizes Your Claim
Rick and his team at Alexander Law Practice provide an attorney-led approach to defending clients’ rights. We’re a proactive litigation firm that remains involved in every aspect of the evidence gathering process to provide you with strategically effective representation.
The Role of a UM Coverage Lawyer in High-Stakes Claims
Rick Alexander is a seasoned litigator who applies aggressive negotiation skills with insurance adjusters. However, as a determined client advocate, he’s prepared for trial to ensure a fair outcome.
Protect Your Recovery with The Alexander Law Practice
You shouldn’t be penalized for carrying appropriate insurance coverage. Reach out for a professional review of your policy and accident details.
The Alexander Law Practice in Jacksonville is dedicated to pursuing the maximum recovery available. As an advocate for our clients, our experienced legal team aggressively pushes back against denials and inadequate settlement attempts.
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