Uninsured / Underinsured

Uninsured / Underinsured
Attorney Jonah Wolfson

Uninsured and underinsured motorist claims involve motor vehicle accidents where the at fault driver does not carry enough insurance to fully compensate the injured party. An uninsured or underinsured motorist claim involves the injured person seeking compensation from their own automobile insurance carrier for the injuries suffered. The extent of the recovery available is defined by the amount of coverage bought. Depending on the extent of the damage or injury sustained, and the amount of recovery needed for it, relying on your own coverage may not be enough. Please call the Miami car accident lawyers now at (305) 285-1115 or email jonahwolfson@wolfsonlawfirm.com for a free evaluation.

How We Help with Uninsured and Underinsured Motorist Cases

As your Miami personal injury lawyer, we know how an injury that is sustained in an automobile accident can affect your life. That is why we do all the work for you so you can focus on your physical recovery and getting back to life as usual.

We will set up your claim and investigate the accident. If the situation calls for it, we will ensure you see the right doctors in order to get an accurate diagnosis. When an injury is sustained, it is important to have an expert for your case and this accomplished by seeing a specialist for your specific injury. We also ensure your medical bills and records are handled properly. We ordinarily submit a demand package to the insurance company and handle all negotiations with your input.

What is a fair settlement? This is where many people lose out when they try to handle an insurance claim themselves. The insurance company is going to offer you as little as possible. If you don’t know the real value of your case, or understand the amount of recovery you could receive, you may accept less than you need. That is why we will serve in your best interest to help ensure that you receive the compensation that is needed.

We’ve handled hundreds of car accident, truck accident and motorcycle accident cases. Our experienced team of attorneys understand how to assess the value of your case, where to look for financial compensation, and how to negotiate with the insurance companies.

When Uninsured Motorist Coverage Comes into Play
  • If you are involved in a hit and run accident (whether you are in your vehicle or you are a pedestrian or bicycling).
  • If you are hit by a driver who has no car insurance you can use your own uninsured and underinsured coverage to pay your medical bills, property loss, and pain and suffering. If that driver has personal assets, we can also bring a lawsuit against them personally to recover money, but if a person doesn’t have insurance, they usually don’t have financial assets either.
  • If you are injured by a driver who has a small amount of coverage, not enough to pay the full cost of your expenses or injuries, you can collect the total of the other driver’s insurance and then collect the remainder from your own policy.
  • Uninsured motorist coverage also comes into play in pedestrian and other accidents.
  • Sometimes, when you think that you have hit a dead end with insurance coverage, you will find that a family member who lives in your household has uninsured motorist coverage that specifically covers you as an insured! Our firm has uncovered such coverage many times in the past and afforded clients a recovery when they thought they would never receive one!

When it comes to uninsured or underinsured motorist claims, it is imperative to understand the value of your case. Our personal injury lawyers in Miami, Fort Lauderdale, Fort Myers and West Palm Beach stand ready to assist and answer the many questions you may have. If you or a loved one has been involved in an accident of this type, we urge you to reach out to us today. Please email jonahwolfson@wolfsonlawfirm.com or call (305) 285-1115 to see if your situation involves uninsured or underinsured motorist coverage.

Am I required to have car insurance in Florida?

If you operate a vehicle with four or more wheels, you are required to have car insurance in Florida. The state requires that drivers carry and maintain personal injury protection (PIP) and property damage liability (PDL) insurance, at a minimum. You must have a minimum of $10,000 in both PIP and PDL coverage. PIP is designed to cover up to 80% of medical expenses and a percentage of lost income resulting from a covered accident. PDL takes care of the property damage that you may have caused as a result of an accident. You are required to obtain coverage from a company that is licensed to offer car insurance in Florida. These are the only required coverages. But you are free to purchase other coverages which can provide you with coverage and protection in the event of an accident.

What happens if I get into a car accident with an underinsured driver?

An underinsured driver carries insurance; however, their coverage may not be sufficient to pay for the damages that you've suffered. You might be able to recover damages for any excess that the underinsured driver's policy doesn't cover from your insurance policy if you have underinsured motorist coverage. Uninsured/underinsured motorist coverage is not required by law. However, it is recommended given the extraordinary number of uninsured and underinsured drivers in South Florida. Consult the best Miami car insurance attorney you can call to find out what options you may have to recover damages for your injuries.

How do I get paid if I'm hit by an uninsured driver in Miami?

An uninsured driver does not have a current automobile insurance policy in place. If you were hurt by a driver who does not have insurance, you could rely on the coverage that you may carry on your policy to pay for medical expenses and property damage. If your injuries are severe or your coverage isn't enough to cover your bills, you might consider pursuing legal action against the at-fault driver. But if that driver has no insurance or available assets, then it may not be worth your time. If you do not have uninsured motorist coverage then your options are most likely limited. But to determine the best course of action for your situation, speak with a Miami personal injury lawyer. Consultations are free so it is worth the time to ask. There is always a chance that there might be some undiscovered insurance coverage that might benefit you. A Miami car accident attorney can review the specifics of the accident and advise you of your legal options.

How do I find the best uninsured/underinsured lawyer in Miami?

When you've been seriously hurt in a car accident with an uninsured or underinsured motorist, finding the best legal team for your situation is critical. You should seek a Miami car accident lawyer experienced with cases such as yours. Schedule time to talk through the specifics of your accident with them. Be sure to ask about their qualifications and track record on similar cases. Look at the law firm's reviews online. Take the time to understand how the process works and what you can expect along the way. Inquire about who your point of contact will be throughout the process and if they will be available to answer your questions along the way. You should feel comfortable and confident that you choose the best personal injury firm in Miami that will defend your rights and take care of your case.

Client Reviews
I was rear-ended on my motorcycle by a distracted driver. I broke my leg, lost two fingers and my entire life changed. I searched Google and came upon Jonah Wolfson. His reviews were quite impressive. Within five months, my case was entirely settled. JONAH IS A BULLDOG WHO WILL REPRESENT YOU AND BE BY YOUR SIDE UNTIL THE BITTER END. HE TRULY CARES ABOUT YOU AND WILL ADVOCATE FOR YOU WITH HIS TEAM. Thank you for helping get me through this with compassion, honor and stealth. You are my hero Mr. Wolfson. God bless you! Cindy
Mr. Wolfson helped me tremendously with my car accident. He was able to represent me with care and respect while fighting hard to get my case resolved. I live a busy life and being able to go about my day and not worrying about my case was a huge relief because I knew I was in good hands. I wasn't just another client to him and that's what makes the difference. Thank you again Mr. Wolfson! Michael
All I can say is WOW! I have never met such a professional law team. They are caring and put your needs above money. I guess to describe them is fair, kind, and professional. Don't be fooled by the other attorneys who only want your money. By far the best attorneys in Florida! Marina Barber
I absolutely love this firm! It's personalized, you always have someone on the phone and you literally feel like family. They were always on top of my case and I felt supported the whole time my case was being settle. I got what I need it and what I deserved! Totally recommend them! They are the good attorneys for real! Dora
Wolfson & Leon took my case and did everything they said they were going to do followed up with me to let me know what was going on and were very professional and were able to win me a larger settlement then I anticipated. I give them five stars for excellent representation. Russ