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What You Need to Know About Uninsured Motorist Coverage

Would you want someone who caused an automotive accident to pay for the damage they inflicted? We definitely would. Unfortunately, negligent drivers often times are not covered by an insurance policy. Now you might have to dish out your own money to cover your car’s repair expenses, medical expenses, and other miscellaneous costs. What if there was a way you could avoid a mess like this? Hence, the importance of uninsured motorist coverage.

What is it?

Uninsured motorist coverage protects you in the event the adverse driver did not maintain bodily injury insurance, was underinsured, or you were involved in a hit and run accident with a “phantom vehicle.” With UM coverage, your insurance company will step into the shoes of the adverse driver’s auto insurance carrier and pay out on your bodily injury claim for potential damages such as out of pocket medical expenses, pain and suffering, lost wages, loss of earning capacity, future medical care, and the value of your overall injury. This type of coverage can include uninsured motorist (UM) coverage or underinsured motorist bodily injury (UMBI) coverage.

Why do you need it?

No one wants to pay for car accident damages, especially when another party is at fault. According to Value Penguin, recent data explains “the state with the highest rate of uninsured motorists is Florida, with an estimated rate of 26.7%. This makes sense considering Florida is the only state that doesn’t require drivers to have bodily injury liability insurance.” That being said, having uninsured motorist coverage may not be mandatory, but it remains key to protecting you from other negligent drivers without insurance. This type of coverage can also protect you from the charges associated with your accident, including your medical bills and the medical bills of any passengers at the time of the accident. Often times, you are expected to be reimbursed for lost wages, pain and suffering, and other related damages.

How can we step in to help you?

If you or someone you know has ever been in an accident, you may recognize the frustration brought on by having to pay damages because of an uninsured driver. Uninsured motorist coverage is a solid form of protection, but having an aide handle your claim streamlines your journey to compensation. This is why you need a legal representative like Cindy Goldstein. As a skilled and experienced personal injury attorney, she and her team will present your claim to your insurance company to ensure you are taken care of after an automotive accident.

From start to finish, you will receive the personal attention you deserve, incurring ZERO fees and ZERO costs unless we get you a settlement. The road to compensation is smooth with Cindy Goldstein at the driver’s seat. Contact Cindy Goldstein for a FREE legal consultation today.