If an uninsured driver hits you in Destin, Florida, you could be responsible for the damages and harm the driver causes. You may sue the driver, but you might never collect the judgment. However, if you have uninsured motorist coverage, you could receive compensation for your damages from your car insurance provider.
Contact Brannon & Brannon Car Accident & Personal Injury Lawyers to schedule a free consultation with our Destin uninsured motorist claims lawyers. We are available 24/7 to speak with you about your case at (850) 842-2573.
How Brannon & Brannon Car Accident & Personal Injury Lawyers Can Help You With an Uninsured Motorist Claim in Destin, Florida
Insurance laws can be complicated in Florida. Our Destin car accident lawyers have extensive experience handling insurance claims after car accidents. We understand the law and how insurance companies process claims.
For 35 years, Brannon & Brannon Car Accident & Personal Injury Lawyers have fought for the rights of injured parties and their families in Florida. Our injury lawyers have over 60 years of combined experience. We have recovered millions of dollars in jury verdicts and settlements for our clients.
When you hire our award-winning Destin personal injury lawyers, you can trust our legal team will:
- Thoroughly investigate your car accident to gather evidence proving how the crash occurred
- Deal with your insurance company for an uninsured motorist claim
- Work with expert witnesses as necessary
- Defend you against allegations of contributory fault
- Identify all claims and sources of compensation for your car accident
- Negotiate settlements that compensate you fairly for damages
- Advocate for you in court when necessary
Our lawyers have top ratings and recognition from many organizations, including an AV rating from Martindale-Hubbell. Attorney Wm. Dennis Brannon is a former insurance defense lawyer, which gives our legal team unique knowledge of the insurance claims process. We do not just even the playing field against opponents. Our experience, resources, and skills give our clients an advantage.
Call us today to schedule a free consultation with one of our Destin uninsured motorist claims lawyers. We will fight the legal battle while you focus on your recovery.
What Is Uninsured Motorist Coverage in Florida?
Drivers in Florida must purchase a minimum of $10,000 in Personal Injury Protection (PIP) insurance coverage and $10,000 in property damage coverage. PIP is no-fault insurance. It covers the insured if they are injured in an accident, regardless of who caused the crash.
Liability insurance coverage compensates accident victims when the insured causes an accident. For example, if another driver causes a rear-end accident, the victim can file a claim against the driver’s liability insurance policy. However, Florida does not require drivers to purchase liability insurance, so many drivers do not have this coverage.
Florida does not require drivers to purchase uninsured motorist (UM) coverage either. It is optional insurance coverage in Florida, just like liability insurance. However, you may want to consider uninsured motorist coverage since Florida does not require drivers to purchase liability insurance.
Uninsured motorist (UM) coverage protects you if an uninsured driver causes a car accident. You can file a claim with your insurance company for damages. The amount of insurance coverage available for an uninsured motorist claim depends on whether you purchase stacked or non-stacked UM coverage.
What Benefits Can You Recover for an Uninsured Motorist Claim in Destin, FL?
Uninsured motorist insurance stands in the place of the at-fault driver’s liability insurance. You must prove that the other party caused the accident, just like filing a liability insurance claim.
Once you prove fault, you can make a claim for economic and non-economic damages, including:
- The cost of past and future medical treatment
- Loss of enjoyment of life and quality of life
- Pain and suffering
- Scarring and disfigurement
- Lost wages, benefits, and earning capacity
- Rehabilitative care and therapy
- Out-of-pocket expenses
- Emotional distress and mental anguish
- Impairments and disabilities
- Personal and/or nursing care
UM insurance provides compensation if an uninsured driver causes you to sustain serious injuries. If your damages exceed your UM policy limits, you can also pursue a lawsuit against the at-fault driver. Florida insurance law allows victims to sue at-fault parties when they sustain serious injuries in a car accident.
What Is the Deadline to File an Uninsured Motorist Claim in Florida?
Florida’s statute of limitations for most car accident lawsuits is two years from the accident date. If you do not sue the at-fault driver within two years, you could lose the right to pursue a claim through the court.
However, the statute of limitations may take longer to file lawsuits against your insurance company for a UM claim. Contract disputes generally have a different deadline for filing lawsuits. The best way to protect your rights is to discuss your case with an attorney as soon as possible.
Schedule a Free Consultation With a Destin Uninsured Motorist Claims Attorney
Do not expect your insurance company to treat you fairly because you are a customer. When you file a claim, your claim is treated the same as all other claims. Insurance companies fight claims to avoid paying large settlements.
At Brannon & Brannon Car Accident & Personal Injury Lawyers, we fight for your rights. Call now for a free case review with one of our Destin uninsured motorist claims lawyers.
