Justice For Victims of Uninsured or Underinsured Driver Accidents

Driving without insurance is a common issue in the state of Florida. In 2015, the Insurance Research Council showed that our state has the second highest percentage of uninsured motorists on our roads in the entire nation. Close to one in four drivers (25 percent) on Florida’s roads right now is uninsured. This creates a serious and legitimate concern for auto accident victims.

Even when you are involved in a car accident that involves an insured driver, it can still be difficult to collect adequate compensation. If the motorist who caused your injury is uninsured or underinsured, it creates a much larger, more legally complex problem. In either case, having an experienced, knowledgeable uninsured motorist attorney on your side can help you recover the maximum compensation you deserve.

Dealing With Your Insurance Company After An Accident

Insurance companies are never on your side. Whether they insure you or not, the objective remains the same: collect premiums and avoid paying on claims. When they can’t avoid paying altogether, they invariably offer settlements that only represent a small fraction of the amount you deserve.

At Winters & Yonker, we hold a firm commitment to bringing insurance companies under compliance with the law. We see to it that company policy doesn’t deprive you of the money you deserve. We will hold any liable insurance company to Florida law and take any measure necessary to ensure they pay you every penny to which you are entitled, even if it means taking your case to court.

Your Rights as an UM/UIM Carrier in Florida

Your own uninsured and underinsured motorist (UM/UIM) coverage is designed to be a source of monetary compensation in the unfortunate case that you are injured in an accident involving an uninsured motorist. If you carry UM/UIM coverage on your auto insurance policy, there are some common mistakes that can lead to you to losing access to the compensation you deserve. The biggest and most common one is accepting a settlement without consulting a lawyer.

Most people simply assume that getting a lawyer involved would be too costly, but that simply isn’t the case. At Winters & Yonker, we never charge our clients a fee for our services unless and until we collect on their behalf. You have no risk of losing money on your claim by working with us, regardless of what an insurance company representative would like you to think. Call us today at 888-373-7770 and arrange for a 100% free initial consultation on your case. Do NOT accept an insurance settlement before talking to us.

Money For Medical Bills, Lost Wages, And More

When you are involved in an accident with an uninsured driver, you could find yourself contending with a number of issues, not the least of which being:

  • Painful, short- or long-term injuries
  • Bills for medical treatment and care
  • Loss of your vehicle
  • Short- or long-term mental and emotional issues
  • Loss of ability to work
  • Loss of the overall enjoyment of life

Unlike in other motor vehicle accident scenarios, an uninsured driver can often not fully cover your damages, even if you sue them directly. This is why Florida has adopted a no-fault insurance structure for auto accidents.

Regardless of who was responsible for the accident, you can purchase coverage for $10,000 or more in damages. In the event that you are seriously injured or your car gets totaled, your losses can easily surpass your available coverage. We will work with your insurance company to ensure that you receive all the compensation you deserve and to which you are legally entitled under your own insurance policy.

When the Other Driver Is Underinsured

If the driver who injured you is underinsured, you could try suing him or her directly, but the likelihood that person has the necessary assets to cover your damages is very small. Your better option is to open an uninsured/underinsured motorist claim with your insurance company as a first action. If you have not done so as of yet, we are happy to help you with this process.

Actions To Take After Your Accident

You have the responsibility to act quickly after being involved in an accident if you wish to maximize the amount of damages you can collect. The law places strict limits on the amount of time you have to file a claim. As soon as you are able, you should take the following steps:

  1. Check your auto insurance policy to verify if you have uninsured motorist coverage, and, if so, in what amount.
  2. File a claim with your insurer (with the aid of your Winters & Yonker uninsured motorist attorney).
  3. Let your attorney entertain any offers made by the insurer.
  4. Do not accept any offer if your attorney advises against doing so.

Dealing With A Difficult Insurance Company

Florida drivers are required to carry a mandatory minimum of $10,000 in personal injury protection (PIP) and another $10,000 in property damage liability (PDL). Because Florida is a no-fault auto insurance state, PIP coverage protects the driver and any of his or her passengers in the event of an accident that results in injury, regardless of who was at fault in the collision.

Florida drivers are not required to carry insurance coverage for bodily injury to another person. If your accident resulted in serious injury, you may have grounds to bring an action against the at-fault driver for damages that outweigh what your own insurance policy covers. The process of collecting, however, can be complicated. This is why you need the help of a qualified, experienced personal injury attorney with a track record of success collecting damages for people who become injured by uninsured or underinsured motorists. Let one of our talented attorneys help you sort out the details of your case and explain your rights. Call us for a free consultation today at 888-373-7770.

The Limitations of PIP

PIP coverage has very strict limits that often do not cover in full the expenses that result from your injury. This is why we recommend purchasing uninsured motorist coverage if you haven’t already. Having it won’t guarantee compliance by your insurer if you file a claim, but it will help your attorney argue more successfully for a reasonable settlement should it become an issue. It is a relatively low-cost way to ensure you get the money you need for medical care, lost wages, and other expenses that arise after an auto accident injury.

Hold Your Insurance Company Accountable

As a policyholder in good standing with your insurance company, you have the right to expect your insurer to treat you fairly when you need to file a claim. Many insurers, however, will go to great lengths to protect their bottom line, including denying valid claims, delaying payments, or offering low-ball settlements that don’t match the extent of your injury.

Low settlement offers are the single biggest problem claimants encounter when seeking fair compensation after an accident. As Tampa’s aggressive personal injury attorneys, we at Winters & Yonker will fight hard to ensure that you receive a fair, swift resolution to your insurance claim.

No injured person should ever have to haggle or negotiate with an insurance company to get the compensation they deserve, but for those who go it alone, without qualified legal representation, that is, far too often, what happens. The outcome of these exchanges is almost never what the claimant needs or expects.

Only an experienced legal team, like ours, can help you build a strong case and collect the maximum amount of money you deserve on your claim. We can help you understand all of your rights and protect you from low-ball offers. At Winters & Yonker, we are committed to securing the right levels of compensation in every uninsured motorist case and we hold ourselves to the highest standards of ethical conduct.

Aggressive Representation For Victims of Uninsured Motorists

At Winters & Yonker, P.A., we call ourselves the “aggressive attorneys” for good reason. We have the skills, the experience, and the resources needed to take on any insurance company in any uninsured motorist accident case. We also know how to avoid common mistakes that could cause you to lose part or all of the compensation you would otherwise collect. Our goal is to secure for you the maximum amount of money possible, so you can get on with your recovery without stress or worry.

Are your injuries preventing you from coming to us? If so, we can come to you. We can meet you at home, at work, in the hospital, or anywhere that is convenient for you. Don’t let an uninsured motorist change stand in the way of receiving due compensation for your injuries. Contact us today. The call and advice are both free and we are here 24 hours per day, 7 days per week, 365 days per year to answer your questions and arrange a free initial consultation.