Uninsured Motorist Coverage in St. Pete and Pinellas Park

Uninsured Motorist Coverage in Florida

Car accidents are unfortunately common, especially in Florida with millions of drivers and seasonal traffic fluctuations. This means most drivers and passengers will be a car accident victim at some point. You cannot control other drivers on the road but you can control how prepared you are when a collision occurs. 

Most drivers are familiar with Florida’s minimum insurance requirements and no-fault policies but it is important to understand that is the minimum. Not only can the costs of an accident easily exceed the $10,000 policy limit on personal injury protection, but you cannot always count on the other driver’s policy to make up the difference. A substantial number of drivers in Florida are uninsured and many more could be underinsured when it comes to your claim. 

For you or a loved one, that could mean unpaid medical bills, foregoing treatment, lost wages, and other expenses. Fortunately, there is a way to reduce the chance of this occurring. Uninsured and underinsured motorist coverage provide coverage to the policyholder for damages caused by the negligence of a driver who does not have insurance or does not have enough insurance. These can be used to pay for: medical expenses, lost wages, pain and suffering, and future loss of earning potential. Important for families, these coverages can also be “stacked” meaning coverage is multiplied by the number of vehicles on the policy – a two vehicle policy with $100,000 UM/UIM policy has $200,000 in coverage.  

Having this coverage can offer you some peace of mind knowing there is additional recourse for you and your loved ones should an accident occur. But if you ever need to make a claim, don’t go it alone! Uninsured and underinsured motorist claims against your insurance company can be complex and are routinely denied. An experienced personal injury attorney can review your accident and present your claim to the insurance company in a way that yields maximum compensation for your injuries. 

If you are injured in a car accident, call Oldham & Delcamp, we are prepared to handle your claim and seek compensation for your injuries.