What is Uninsured/Underinsured Motorist Coverage?

Feb 23, 2020
Car Accidents

Providing Expert Legal Advice and Representation - John Hugh Shannon

Welcome to the informational page on "What is Uninsured/Underinsured Motorist Coverage?" provided by John Hugh Shannon, a leading law firm specializing in personal injury cases related to automobile accidents. We offer comprehensive legal services tailored to help clients navigate through the complexities of uninsured/underinsured motorist coverage in Florida. Our experienced team of legal professionals is here to guide and represent you in the event of an accident involving an uninsured or underinsured driver.

Your Trusted Source for Knowledge and Legal Assistance in Florida

At John Hugh Shannon, we understand the importance of having sufficient insurance coverage to protect you against losses caused by drivers without adequate insurance. Uninsured/Underinsured Motorist (UM/UIM) coverage is a vital component of your auto insurance policy in Florida, and we are here to help you fully comprehend its significance.

Understanding Uninsured/Underinsured Motorist Coverage

Uninsured Motorist Coverage (UM) and Underinsured Motorist Coverage (UIM) exist to protect you in the event of an accident with a driver who lacks insurance or has insufficient coverage to cover the damages sustained. Florida law requires all drivers to carry a minimum amount of auto insurance coverage, but unfortunately, not everyone complies with this requirement.

UM coverage helps compensate you for injuries, damages, and losses when the other driver is entirely uninsured. This coverage includes medical expenses, lost wages, and pain and suffering resulting from the accident.

UIM coverage, on the other hand, applies when the at-fault driver carries insufficient insurance to cover your damages fully. In such cases, your UIM policy can bridge the gap between the other driver's policy limit and the actual costs incurred as a result of the accident.

The Importance of Uninsured/Underinsured Motorist Coverage in Florida

Florida has one of the highest rates of uninsured motorists in the United States. Being involved in an accident with an uninsured or underinsured driver can leave you facing significant financial burdens. Without the necessary coverage, you may be left responsible for medical bills, property damage, and other losses, even if the accident was not your fault.

By securing adequate UM/UIM coverage, you protect yourself and your loved ones from the potential financial hardships that can arise from accidents with uninsured or underinsured drivers. It grants you an additional layer of protection, ensuring that you have the means to recover damages and move forward with your life.

How We Can Assist You

At John Hugh Shannon, our dedicated team of legal professionals specializes in personal injury cases involving automobile accidents and uninsured/underinsured motorist coverage. We have extensive experience dealing with insurance companies and are well-versed in Florida's laws and regulations that govern UM/UIM coverage.

Our services include:

  • Thoroughly reviewing your insurance policy to determine the extent of your UM/UIM coverage
  • Investigating the details of your accident to establish fault and liability
  • Working diligently to negotiate fair settlements with insurance companies
  • Filing necessary legal actions and representing you in court, if required
  • Providing personalized advice and guidance throughout the process

We understand the complexities of dealing with insurance companies and the challenges you may face when pursuing a claim. Our mission is to protect your rights and fight for the compensation you deserve.

Contact Us Today for a Consultation

If you have been involved in an accident with an uninsured or underinsured motorist and have questions about uninsured/underinsured motorist coverage, don't hesitate to contact John Hugh Shannon. Our experienced team is ready to assist you and provide the expert legal advice you need. Call us today to schedule a consultation and take the first steps towards securing the compensation you deserve.

At John Hugh Shannon, we are committed to helping our clients in Florida navigate the complex legal landscape involved in uninsured/underinsured motorist coverage. Our comprehensive knowledge, combined with our dedication to providing exceptional legal representation, sets us apart in the field of personal injury law. Trust us to be your advocate and guide as you seek the justice and compensation you deserve.

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