Uninsured Motorist Coverage

Uninsured Motorist Coverage

– by Tampa Personal Injury Attorney, Martin J. Hernandez

Uninsured Motorist Coverage (UM) is optional in the State of Florida. You can purchase Uninsured Motorist Coverage on your own auto insurance policy. Uninsured Motorist covers you and the relatives who live with you, and people who occupy your car. Uninsured Motorist pays you for injuries caused by an auto accident where the at-fault driver is uninsured or under-insured.

Why Is Uninsured Motorist Coverage Important in Florida?

Approximately 30% of Florida drivers have no auto insurance, and a driver is considered “insured” with limits as low as $10,000 per person/$20,000 per accident for bodily injury. Often, that will not cover a trip to the Emergency Room. Approximately 50% of Florida auto insurance policies have limits of $25,000 per person or lower. If you are hurt or injured in a car accident by an uninsured or under-insured drivers, you may have to pay for your injuries out of pocket. This is why it is important to have Uninsured Motorist Coverage in Florida.

What Does Uninsured Motorist Coverage Pay For?

Uninsured Motorist Coverage pays for things like medical bills, loss of the future enjoyment of life, lost wages and disability, long term nursing care, medical devices like wheelchairs, pain and  suffering, death, replacement services for things you are no longer able to do such as yard work and cleaning.  Also, Uninsured Motorist Coverage may pay for the cost to retro-fit your house to accommodate disabilities caused by the auto accident.

Who Should I Contact If I am In A Motor Vehicle Crash?

If you have been injured in a motor vehicle crash contact a attorney as soon as possible. Determining liability in a motor vehicle crash is usually complex. Damages are often complicated. Treatment of sustained injuries may be costly, painful and may take months, or even years. Insurance coverage, especially Uninsured Motorist Coverage, is very important. An experienced motor vehicle crash attorney can aggressively investigate and seek the financial compensation you are entitled to for pain and suffering and for medical treatment and care. An experienced motor vehicle crash lawyer will thoroughly analyze your case and explain the insurance provisions and the options you have for pursuing fair compensation.

If you or a loved one have been injured in a motor vehicle crash due to the negligence of another, you are entitled to compensation. An experienced motor vehicle accident lawyer will determine the insurance coverage available and assist you in settling the matter or in filing a personal injury lawsuit seeking compensation.

Why Fernandez & Hernandez?

The experienced personal injury attorneys at Fernandez & Hernandez can investigate and determine liability. The attorneys at Fernandez & Hernandez will determine what compensatory damages and expenses are fair for your medical treatment, lost income, property damage, pain and suffering, and mental anguish. If the party responsible for your injuries is found to be especially negligent and careless, punitive damages may be awarded.

Attorney Martin J. Hernandez of Fernandez & Hernandez provides legal representation for victims and families in motor vehicle accidents and wrongful death cases. Our Tampa personal injury attorneys welcome the opportunity to interview with you and your loved ones. We invite you to review our recent results for settlements and trial verdicts. Our qualifications and background are available to you as well. We recommend also reading our reviews on Google Reviews, Avvo and Yelp. Our Tampa Attorneys Martin Hernandez and Daniel Fernandez are bilingual as well.

No matter how serious or minimal your injuries, we will fight hard for compensation for your medical bills, pain and suffering, and lost wages. Attorney Martin J. Hernandez can help guide you through the process. At Fernandez & Hernandez we know how to help you and your family following any kind of accident, and we have the resources to do it. When you call Fernandez & Hernandez we will answer all of your questions quickly.

Our personal injury lawyers can help in all phases of injury and wrongful death cases. We handle personal injury claims from initial investigation through trial and appellate proceedings. At Fernandez & Hernandez, we will go to trial, if necessary, and fight on your behalf, and we have the results to prove it.

If you have been involved in a motor vehicle accident in the Tampa Bay area call Tampa Personal Injury Attorney, Martin J. Hernandez of Fernandez & Hernandez at 813-229-5353.

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