Uninsured Motorist Claims

Uninsured and Underinsured Motorist Claims

Uninsured and underinsured motorist coverage (“UM” coverage) protects you in the event that you are injured by a driver that has either no bodily injury insurance coverage or who has coverage that is less than the amount of reimbursement to which you are entitled. For example, if you suffered injuries in a car accident, you are entitled to reimbursement for your medical bills, lost wages, and pain and suffering. Normally, you would receive compensation from the insurer for the at-fault driver’s bodily injury insurance.

However, if the at-fault driver has no bodily injury insurance coverage, then you could obtain compensation from your own auto insurance, if you purchased UM coverage. Also, if the other driver has bodily injury coverage, but the value of your losses exceed the amount of the other driver’s bodily injury coverage, then your own UM coverage would make up the difference, up to the limit of your policy.

Florida law does not require that owners and drivers of private cars have bodily injury coverage. In addition, some drivers allow their insurance to lapse, resulting in no coverage at all. Also, an at-fault driver may flee the scene and never get caught. Many times, irresponsible drivers, especially those who drink and drive, are irresponsible in many areas of their lives and do not have car insurance or failed to pay their insurance premiums resulting in a cancelled policy. As such, we recommend everyone purchase UM insurance – it is not particularly expensive and can provide you with much needed relief in the event you suffer serious injuries in a car or trucking accident.

UM coverage can be purchased as “stacking” or “non-stacking.” The primary difference is that stacking coverage can be added to UM coverage you may have through another vehicle.

Florida law provides each person with UM coverage in the same amount as any bodily injury insurance coverage he or she purchased unless the insurer obtains a signed UM rejection form. We have uncovered numerous incidents where the auto insurer did not have a signed form resulting in UM coverage where there otherwise would have been none.

In addition to having UM coverage of your own, you may also be entitled to any UM coverage purchased for the vehicle in which you are riding. Finally, you can also qualify for UM coverage through that purchased by any relative with whom you live.

If you have suffered injuries in a car accident in the greater Jacksonville area, it is important you retain a lawyer experienced in handling uninsured motorist claims.

Our Jacksonville auto injury lawyers look into every car accident case to determine all sources of insurance coverage including bodily injury coverage for the at-fault driver, bodily injury coverage for the owner of the vehicle being driven by the at-fault driver, uninsured motorist insurance purchased by the client, uninsured motorist insurance purchased by the owner of the car in which the client was riding and any uninsured motorist insurance purchased by a resident relative.

If you have any questions, please contact our Jacksonville car accident lawyers for a free no obligation consultation. We will be glad to discuss your situation on the phone or in person at a time and location that is convenient to you. Our lawyers have handled uninsured motorist claims in Jacksonville for more than twenty years.

Client Reviews
I have known Mr. Lawrence for several years and in my opinion he is the most professional and trustworthy lawyer I have ever known. I have had dealings with other lawyers but they were not as good as Mr. Lawrence. I would highly recommend him. Carla
I was referred to Greg by a coworker after I received a bad injury from an auto accident and was so pleased with Greg, and staff. They literally took care of everything for me while I was healing and kept me updated every step of the way. Calls and emails were always accepted and returned promptly and they were extremely patient and helpful with any questions and concerns that I had. Should I ever need legal assistance again I will definitely be calling him and referring him to family and friends. Amie M.
I had a difficult disability case, and was referred to Greg by a judge. As an experienced lawyer myself, I was apprehensive about using someone I didn't know. As it turned out, however, I could not have been more pleased. Greg mastered the case in no time, and was nothing short of brilliant in getting me a substantial settlement. He's a lawyer's lawyer, and I recommend him highly and without reservation. Steve
I would like to take a moment to say thanks to Greg, and his staff for doing an excellent job with my deceased mothers nursing home case. After hiring two other law firms my brothers and I decided to hire Greg. This was the best decision that we made regarding this case. Greg took the time to get to know who our deceased mother was, and the important facts involving our claim. As a result Greg was successful in resolving our claim to our satisfaction. Greg is the best attorney that I have ever met! I would highly recommend hiring Greg for any nursing home, or any other claims. Falsario Arnold
Of all the things that pleased me about Greg was that he was always available to me. If I called or emailed, I spoke to him and wasn't pushed off to one of his paralegals or assistants (although they were very helpful as well). I felt like I had a lawyer - not a factory. Scott