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Being hit by an uninsured or underinsured driver can leave you with serious injuries and overwhelming financial stress while you struggle to cover medical bills and vehicle repairs. Your St. Petersburg uninsured/underinsured motorists accident lawyer with Salter, Healy, Rivera & Heptner can help you explore every available avenue for compensation, whether through your own insurance policy or a third-party claim. With $45+ million recovered, your St. Petersburg car accident lawyer is ready to fight for the financial recovery you deserve. Contact us today to schedule a free case consultation. Call (727) 321-HELP.
Florida’s no-fault insurance system requires all drivers to carry Personal Injury Protection (PIP) coverage, which pays for medical expenses regardless of who caused the accident. While PIP provides immediate financial relief for injuries, it has strict limitations and may not fully cover extensive medical treatment or lost wages. Florida Statutes § 627.736 mandates PIP coverage but does not require uninsured/underinsured motorist (UM/UIM) protection, leaving many drivers vulnerable in cases where the at-fault party lacks sufficient insurance.
When you are involved in an accident with a driver who does not have adequate insurance, you may struggle to recover compensation for your medical expenses, vehicle repairs, and lost income. Many drivers assume their PIP coverage will be enough, only to discover that it falls short of the actual costs associated with a severe injury. Below are some key factors that determine your financial recovery options after an accident with an uninsured or underinsured driver:
Without UM/UIM coverage, you may face significant financial hardships after an accident, especially if your injuries require extensive medical care. Even when legal action is an option, recovering compensation from an uninsured driver can be challenging if they lack sufficient assets. Reviewing your insurance policy and understanding your rights is essential if you hope to protect yourself from financial strain after an uninsured or underinsured motorist accident. To ensure you recover maximum compensation, contact one of the St. Petersburg uninsured/underinsured motorists accident attorneys from our team.
When you are involved in an accident with an uninsured or underinsured driver, your financial recovery options can be severely limited. Uninsured/underinsured motorist (UM/UIM) coverage helps fill the gap by covering medical expenses, lost wages, and vehicle repairs when the at-fault driver lacks adequate insurance. A St. Petersburg uninsured/underinsured motorists accident attorney with Salter, Healy, Rivera & Heptner can help you determine whether your policy includes UM/UIM benefits and how to maximize your compensation.
If you suffered injuries in an accident caused by an uninsured or underinsured driver, your UM/UIM policy can help cover hospital stays, surgeries, rehabilitation, and ongoing medical treatment. Even minor injuries can result in expensive emergency room visits, physical therapy, or specialist appointments that add up quickly. Without UM/UIM coverage, you could be left paying out of pocket for necessary medical care.
A serious car accident can leave you unable to work for weeks or months, making it difficult to pay your bills. UM/UIM coverage can provide compensation for your lost wages, ensuring you do not fall into financial hardship while recovering from your injuries. If your injuries impact your long-term ability to work, you may also be able to recover damages for diminished earning capacity.
Car accidents often result in significant vehicle damage, and if the at-fault driver does not have enough insurance, you may struggle to cover the repair costs. Your UM/UIM policy can help pay for necessary repairs or even replace your vehicle if it is totaled. Without this coverage, you may have to pay for repairs yourself or deal with an unreliable vehicle while trying to recover from your injuries.
Hit-and-run crashes are frustrating and stressful, especially when the at-fault driver is never found. UM/UIM coverage steps in to provide financial relief in these cases, allowing you to recover compensation even when the responsible driver is unknown. If you were injured in a hit-and-run, you should file a police report immediately and consult with your St. Petersburg personal injury lawyer to further explore your options.
Uninsured/underinsured motorist (UM/UIM) coverage applies when the at-fault driver does not have enough insurance to cover your damages or lacks insurance entirely. This coverage can help pay for medical bills, lost wages, and vehicle repairs when the responsible party cannot. Florida drivers often rely on UM/UIM policies to protect themselves, especially since the state does not require drivers to carry bodily injury liability insurance.
Your UM/UIM policy may also apply in situations beyond a typical car accident. If you are injured in a hit-and-run, your insurer may treat it as an uninsured motorist claim and cover your losses. Additionally, UM/UIM coverage may extend to accidents involving pedestrians and cyclists who are struck by uninsured drivers.
If you were in an accident with a driver who had little or no insurance, you may still have options to recover compensation. Insurance companies often make it difficult to access uninsured/underinsured motorist coverage, but legal representation can help you maximize your claim. Contact a St. Petersburg uninsured/underinsured motorists accident attorney in St. Petersburg with Salter, Healy, Rivera & Heptner today, by phone or through our online contact form, to discuss your case and explore your legal options.