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If you have been seriously injured in a car accident caused by an uninsured motorist, you may be wondering how you’ll ever cover the cost of your medical bills, rehabilitation, and other aspects of your recovery. Will your insurance company foot the bill for a car accident that wasn’t even your fault? At Payer & Associates, we have extensive experience and a track record of success obtaining the maximum compensation available to victims of uninsured motorist car accidents. It’s important to understand that uninsured motorist claims put you and your insurer at odds—you want maximum compensation for your injuries and damages, and your insurance company wants to pay out as little as possible. An experienced uninsured motorist lawyer can help you get all the benefits you are entitled to under your insurance policy.

Helping Victims of Miami Uninsured Motorist Car Accidents

Florida law requires vehicle owners to have automobile liability insurance, but many drivers get around the law. In fact, Florida has one of the highest rates of uninsured drivers in the country. Often, people buy insurance long enough to get their vehicles registered, simply to cancel the policy as soon as possible. The large number of uninsured drivers on the road in Florida is one reason insurance companies are required to offer uninsured and underinsured motorist coverage. If you have uninsured/underinsured motorist coverage, you may recover compensation from your own insurance company after being injured in a car accident with an uninsured motorist.

Our Miami personal injury attorneys can help you determine and pursue the full amount of compensation available to you under your insurance policy as it pertains to uninsured motorists. Don’t risk being shortchanged when you’ve been faithfully paying your monthly premium.

Seeking Damages from an Uninsured At-fault Driver

In most cases, seeking damages directly from an at-fault driver isn’t an option in Florida, as Florida is a “no-fault” state, offering Personal Injury Protection (PIP) through auto insurance rather than the legal system. However, in the case of “significant and permanent loss of an important bodily function; permanent injury within a reasonable degree of medical probability, other than scarring or disfigurement; or significant and permanent scarring or disfigurement,” you can sue for damages not covered by PIP. Additionally, uninsured and underinsured drivers have no immunity from personal injury liability and thus are personally liable for the payment of PIP benefits.

When taking legal action within an exception to the rule, it becomes even more important to have an experienced personal injury attorney on your side. A lawyer from Payer & Associates can accurately evaluate how the law will apply in your case and provide you with strong, astute representation to obtain your best possible outcome.

Contact Payer & Associates for Advice after an Uninsured Motorist Car Accident in Miami

If you’ve been hurt in a Miami car accident with an uninsured motorist, please contact Payer & Associates for help and guidance with your injury claim. After an uninsured motorist car accident, you may feel like you have no options, but you do, and we can help you get the compensation that’s available to you.

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