Daytona Beach Auto Accident Attorney - Uninsured Motorist Coverage
WHAT IS UNINSURED AND UNDERINSURED MOTORIST COVERAGE?
One thing a Daytona Beach auto accident attorney will see alot is an accident with an uninsured person. Uninsured Motorist Coverage protects the policy holder and other eligible persons from personal injury damages suffered as a result of the negligence of another motorist that either does not have any Bodily Injury insurance coverage or has insufficient Bodily Injury liability coverage to compensate the injured party for their damages.
Being a Daytona Beach auto accident attorney in Florida you know that Bodily Injury liability protection is not required. The effect of this is that there are many drivers operating vehicles in the State of Florida that do not have any Bodily Injury liability coverage whatsoever. If one of these uninsured motorists causes a collision which results in injuries, then unless you have Uninsured or Under Insured Motorist coverage, you will not be able to recover any damages for your injuries other than medical expenses and lost wages. This is the case regardless of how severe the injuries may be. Nearly one-third of all cars on the road have NO Bodily Injury Liability coverage!
The standard Uninsured-Under Insured Motorist policy usually provides coverage to the named insured, their spouse, and all relatives residing in the named insured's household. The policies also usually provide coverage to any other person who is occupying the named insured's vehicle at the time of the collision. The effect of this is that if you purchase Uninsured Under Insured Motorist coverage, you will provide coverage not only for yourself, but for members of your family and any passengers that may be in your vehicle. The UM-UIM coverage follows the person rather than the vehicle. What this means is that if the insured person is injured anywhere by an uninsured motor vehicle, then his own UM coverage will apply and compensate him for damages as long as he meets the legal requirements for recovery. This includes persons who are injured while pedestrians, occupants of someone else's vehicle that does not have UM coverage, or while on bicycle or in some cases on a motorcycle.
The coverage applies to situations where the injuries are caused by: (1) a vehicle with no Bodily Injury Liability insurance, (2) vehicles that hit and run and cannot be identified and (3) phantom vehicles such as the situation where someone "cuts you off" and causes you to run off the road and have a collision that causes injury. In these situations if you do not have UM coverage, even if you are seriously injured, you will not be able to recover anything other than medical expenses and lost wages.
Please contact us with any questions you may have. You can speak to a Daytona Beach auto accident attorney from the Seitz & Tresher law firm.