Automobile Accidents Without Insurance or Insufficient Insurance

Although the Florida State Law requires motorists to prove their ability to pay for personal injury or property damage in the event of an auto accident by purchasing insurance, many drivers simply ignore this obligation. Many other drivers comply with the law and buy compulsory insurance, however, the minimum requirements tend to fall below the amount needed to cover the costs of an accident. Often, these uninsured or underinsured drivers do not have insurance or money to cover the damages caused by accidents. This situation imposes a financial burden on innocent victims.

At Heintz & Becker, our auto accident attorneys – serving clients from Sarasota, Bradenton, and throughout the state of Florida – believe that victims of auto accident accidents, truck accidents and motorcycles should not be forced to pay for the negligence or lack of care of the other drivers. We have obtained verdicts and important agreements on behalf of the victims throughout the state of Florida. If you were the victim of a car accident in which the driver at fault was underinsured or did not have insurance at all, we can help you get fair compensation.

You may be able to file a claim with your own insurance company. However, it is possible that your insurance company is more concerned about your results than your needs. Before finding your late, poorly paid, or unfairly denied claim, we encourage you to contact Heintz and Becker auto accident attorneys in the Sarasota area to schedule a free consultation. We can help you overcome obstacles that prevent you from obtaining the compensation to which you are entitled.

Uninsured Motorist Claims

If you have been involved in an accident with an uninsured driver, you may be able to recover the costs through uninsured motorist coverage. Uninsured motorist coverage pays for many of the things that the other person’s insurance would have paid had it existed. You may be entitled to compensation for:

  • Medical bills and rehabilitation costs
  • Lost wages
  • Pain, suffering, and disfigurement
  • Emotional distress
  • Loss of future profit capacity

There are some things that uninsured motorist coverage cannot cover, in particular:

  • Property damage (unless you also have collision coverage)
  • Punitive damages

Contact Heintz & Becker to schedule a consultation with our auto accident attorneys. Serving clients in the Sarasota, Bradenton area and clients throughout the state of Florida, we can help you obtain the fair compensation to which you are entitled.

Motor Claims with Insufficient Insurance

Motorist coverage without enough insurance is not the same as uninsured motorist coverage. Underinsured motorist coverage applies when the person who caused the accident has insurance, but the limits are not high enough to fully compensate you for your losses.

In Florida, all automobile policies are required to offer insufficient motorist insurance benefits. This means that your own policy can pay the amount necessary to fully compensate you for your injuries in excess of the amount paid by the guilty party. Your insurance company then has the right to sue the insured driver to recover the money.

Your insurance company works to minimize your financial guilt, but the auto accident attorneys at our Sarasota area office in Bradenton can help you get the compensation you are entitled to. We understand the complexities of the motorist law without sufficient insurance and the processes involved in the search for a claim. We often obtain agreements with insufficient motorist insurance in cases in which the insurance company denies that there is insufficient coverage. Contact Heintz & Becker today to schedule a consultation.

Get in touch with our Auto Accident Lawyers in Bradenton, Sarasota, and all of Florida

We believe that the victims of the automobile accident should not be financially responsible for the negligence or carelessness of the other drivers. If you are involved in an automobile accident in which the guilty driver has insufficient insurance or does not have insurance at all, you may be able to file a lawsuit with your own insurance company. We can help you get monetary compensation for your car accident injuries.

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