Pensacola Uninsured & Underinsured Claim Attorneys

Injured By a Driver Without The Right Insurance? Let Us Help!

If you’ve been involved in a car accident in Pensacola and the at-fault driver does not have insurance or their coverage is insufficient, you may face serious financial consequences. Without proper insurance protection, your recovery could be significantly delayed or even derailed. Fortunately, Crawford Law is here to guide you through the complexities of uninsured and underinsured motorist accidents. Our experienced team of Pensacola uninsured motorist accident lawyers is dedicated to helping you secure the compensation you deserve.

Contact us today at (850) 220-2098 for a free case review.

What is an Uninsured Motorist?

An uninsured motorist is a driver who operates a vehicle without any auto insurance coverage. In Florida, it’s a legal requirement to have car insurance, but unfortunately, many drivers either ignore this obligation or fail to maintain valid insurance policies. As a result, they can be classified as uninsured motorists.

If you are involved in an accident caused by an uninsured driver, you may find yourself facing significant financial hardship. Medical expenses, property damage, and lost wages can quickly add up, and without proper insurance, the at-fault driver may not have the financial resources to cover these costs.

This is where your own insurance policy comes into play, particularly through uninsured motorist (UM) coverage. However, understanding how to navigate this situation can be complicated, especially when dealing with the aftermath of a traumatic accident. A Pensacola uninsured motorist accident lawyer from Crawford Law can help you take the necessary legal steps to protect your interests and secure compensation.

What is an Underinsured Motorist?

An underinsured motorist is a driver who carries auto insurance, but their coverage limits are not sufficient to fully compensate for the damages caused in the accident. In other words, if the at-fault driver’s insurance policy doesn’t have enough coverage to pay for your medical bills, property damage, or other accident-related expenses, they are considered an underinsured motorist.

For example, if you sustain $100,000 in injuries and damages from an accident, but the at-fault driver’s insurance policy only offers $50,000 in coverage, you’re left to cover the remaining $50,000. Underinsured motorist (UIM) coverage is designed to fill this gap and help protect you in these types of situations.

UM & UIM Coverage in Florida

In Florida, uninsured motorist (UM) and underinsured motorist (UIM) coverage are optional, but they can be a lifesaver when you find yourself in an accident with an uninsured or underinsured driver. This type of coverage can be added to your car insurance policy, and it will help pay for medical expenses, lost wages, and other damages if you’re involved in a crash with a driver who lacks sufficient coverage.

Florida law requires that auto insurance policies include UM and UIM coverage unless you specifically opt out. However, many drivers are unaware of this option and fail to add UM or UIM coverage to their policies. This can leave them vulnerable if they are involved in an accident with an uninsured or underinsured motorist.

What Happens If I Don’t Have UM Coverage?

If you don’t have uninsured or underinsured motorist coverage and you’re involved in an accident with an uninsured or underinsured driver, you could face significant financial challenges. Without UM or UIM coverage, you would need to rely on the at-fault driver’s insurance, if they have any, or your own health insurance to cover the costs of your injuries and property damage.

If the at-fault driver is uninsured, you may struggle to recover damages since they may not have the financial resources to compensate you. Similarly, if they are underinsured, you may still face a financial shortfall. Even in cases where the driver’s insurance covers some costs, it may not be enough to cover all your medical bills, lost wages, or emotional distress.

In these situations, it is especially important to seek legal advice from a Pensacola uninsured motorist accident lawyer. At Crawford Law, we will evaluate the circumstances surrounding your accident and explore every possible avenue to help you recover the compensation you deserve, including pursuing a claim against your own insurance company if necessary.

How Crawford Law Can Help

Dealing with an uninsured or underinsured motorist accident can be overwhelming, but you don’t have to face it alone. Crawford Law is here to provide experienced legal representation and help you navigate the complexities of UM and UIM claims.

Our team of Pensacola uninsured motorist accident lawyers will:

• Review the details of your accident and determine your eligibility for UM or UIM coverage
• Assist you in filing a claim with your insurance company
• Negotiate with the at-fault driver’s insurance company (if applicable)
• Advocate on your behalf to ensure you receive fair compensation for medical expenses, lost wages, and other damages
• Provide personalized legal counsel throughout every stage of the process

We understand the challenges that come with uninsured and underinsured motorist accidents, and our team is committed to fighting for your rights. At Crawford Law, we work on a contingency fee basis, which means you don’t pay unless we win your case.

Call (850) 220-2098 or contact us online today to request a free consultation.