Tampa, Florida

Uninsured Motorist Claims

Uninsured Motorist Claims

How An Attorney Can Help With Your Car Accident with an Uninsured Driver

Every driver in Florida is required to purchase insurance in the event of an accident, but there are many drivers who choose to ignore this law.

Under Florida law, you can seek the following types of accident coverage:

  • Personal injury protection: pays $10,000.00 for your medical bills and wages lost regardless of who causes the crash. In essence, this is a small health insurance policy.
  • Bodily injury liability coverage: pays money if you have caused a crash that hurt someone else.
  • Property damage coverage: pays money if you cause a crash and damage property.

Even for drivers who purchase the required insurance policy, the minimum requirements tend to fall short of the amount that will be needed to cover the cost of an accident. For example, many drivers do not purchase bodily injury liability coverage, which means that you will only have personal injury protection up to $10,000.00 if you are injured in an accident with that driver. For these reasons, it is important to purchase Uninsured and Underinsured Motorist Coverage so that you and your family are protected in an accident.

Insufficient Insurance and UIM Policies

Uninsured motorist coverage allows you to pursue compensation when a negligent driver does not have enough insurance or sufficient assets to cover the cost of the damages caused by your accident, called an underinsured motorist (UIM). The extent and severity of your injuries will dictate whether your claim warrants a recovery for uninsured motorist policy limits.

This coverage provides for your medical bills, wage loss, and money for your suffering after the $10,000.00 personal injury coverage has been exhausted and the driver at fault has no insurance or very little insurance. If you have been hit by a driver who had insurance but not enough to cover your damages, you may be able to pursue additional damages under your own underinsured motorist policy.

Florida's UM Insurance Requirement

All insurance companies in Florida are required to off their clients Uninsured Motorist Coverage. Drivers who choose to opt out of this coverage are required to sign a rejection form that states their awareness of the option and their refusal to buy it. This additional coverage will compensate you for damages that are suffered in a car accident with an underinsured or uninsured driver, or if you have been injured.

Why are Uninsured Motorist claims denied?

Unfortunately, there is a chance that your insurance company will reject your injury claim even if you have Uninsured/Underinsured Motorist Coverage. When an insurance company chooses to deny an Uninsured Motorist claim, the accident victim can be devastated by the crushing costs of medical care, property damage and wages lost during recover.

It is important to identify the exact reason for why the claim was denied, which is generally one of the following;

  • Denial of responsibility for the at-fault driver
  • Denial that the injuries suffered were caused by the accident
  • Denial that the injuries are serious and worth compensation
  • Blaming someone else for the accident

Most underinsured and uninsured motorist policies will have the option of stacking coverage, which allows individuals with coverage on more than one vehicle to maximize their insurance coverage by seeking compensation under the coverage for both vehicles.

Tampa Car Accident Lawyer for UM/UIM Claims

Insurance agents commonly tell drivers that they do not need to purchase uninsured or underinsured motorist coverage, but this is so that they can profit. If possible, you should try to purchase uninsured motorist coverage that is "stacking" and in an amount that is equal to your bodily injury liability coverage. This will insure that your family and those who live with you will also be protected if they are injured in an accident. To learn more about these types of coverage and how they will benefit you in the event of an accident, call today!

Recommended Reading

The process of filing a claim or lawsuit can be complex, and insurance companies often deny certain types of valid claims or offer a low settlement in the hopes that you will accept it. Fortunately, our firm never relents until you receive a fair settlement or verdict. How do you know what amount is fair?

Givens Givens Sparks
Stann Givens, Best Lawyers in America

That is where our team of lawyers can help. There are many types of damages that are possible in any injury case, and evaluating your case before moving forward is a key factor in the amount of the settlement you will receive. We are well versed in all aspects of personal injury law and know how to present your case in a way that brings about the optimum results.

Testimonials

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  • “Dear Rob, Kelly and Anita, I cannot express my gratitude enough to all of you for your hard work in reaching a successful outcome in my case. You made every step of this difficult process much more bearable through your attentiveness, timely communication ”

  • “Rob, thank you so much for helping with all of this and know that I hold you and your staff in the highest professional esteem. No matter what was thrown at us, you had an answer that countered. Thank you so much for all of your hard work and more importan”

  • “Stann, thank you doesn’t seem like enough. You are truly a master negotiator.”

  • “We are glad that you were with us during this process.”

  • “Solid, tenacious, thorough, and reputable counsel.”

  • “Stann, I just wanted to drop you a line and let you know how much I appreciate the hard work by the attorneys in your firm.”

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  • “Stann, I just wanted to say thanks. I was very impressed by the entire Givens Givens Sparks team and process.”

  • “I am very appreciative of the work Rob and his team put out for my case. And as I already said, he knows his stuff for sure. Please extend my thanks again to the whole firm for all of their help no matter how small it may have been.”

  • “You Helped keep me calm and understand the legal side of matters.”

  • “Good job today, Rob – thanks for the help!”

  • “Your team is amazing!”

  • “Rob, Chris and Paula, just a note to personally thank each of you for your time, expertise, knowledge and guidance through this long, and at times grueling process. We truly appreciate your due diligence through this process and your experts were a pleasur”

  • “If ever in the future I need any legal advice I will not hesitate to contact you.”

  • “Thank you for taking the time and spending long days and nights dealing with my case.”

  • “I just want to take a minute to tell you how amazing you are at your job!”

  • “Rob, I wanted to say THANK YOU for all of the time, effort and hard work you put into my case! Without your assistance and support, I would not be where I am now.”

  • “I am truly grateful for your efforts.”

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  • “Very friendly and down to earth – they are real people.”

  • “Rob, thank you again for your counsel and care over the past few months. It has been a pleasure working with you. Please extend my appreciation to Paula and Arely as well for their work and process expedition.”

  • “You stepped up to serve the interest of our client seamlessly.”

  • “I could not have been more pleased with the work that Chris did for me.”

  • “Robert, I would not have expected anyone less, of your expertise, from my chosen lawyer! You have been both extremely competent and personable throughout your part of these proceedings, and I don’t believe anyone could have done a better job!”

  • “GREAT communication!”

  • “Diligent communications and follow-ups.”

  • “Beyond thorough and true to your original timeline.”

  • “Stann, Esther and staff, thank you so much for handling my divorce. I really appreciate your hard work and dedication.”

  • “Kelly and Tiffany, thank you both so much for all of the wonderful work you did for me in handling my divorce. I had feared it was going to be a stressful experience despite the overall situation and it was far from it.”

  • “They have always been accessible and courteous in meeting our needs.”

  • “Givens Givens Sparks will be my first thought if anyone ever asks about a referral to an attorney. Chris Givens and Peggy were not only very professional, but also friendly and helpful, and I truly believe they cared about my case.”

  • “I was very happy with the attention given to me by Chris Givens and his paralegal Peggy. They were very professional and at the same time made me feel comfortable and welcome. I will definitely refer.”

  • “I read your article on never badmouth your child's parent. Kudos!”

  • “I'm not sure I could have made it through the past 18 months without you guys.”

  • “So professional and caring!”

  • “Robert Sparks and his personal injury team fought with great effort to get the most out of my case. I appreciate all of your hard work guys, keep it up!”

  • “The legal team demonstrated experience explaining every step of my case. I was very satisfied with my settlement and will I seek their services for all my legal needs in the future.”

  • “I have worked with attorneys my entire professional career. My experience with Givens Givens Sparks was the best, by far, of any previous experience! Stann did a great job of guiding me thru the process, and more importantly, helping me keep my emotions i”

  • “My Givens Givens Sparks attorney stayed with me and fought for me.”

  • “Mrs. Garcia Is very professional and extremely helpful and organized.”

  • “The team at Givens Givens Sparks was very caring and kept us up to date on the claim.”

  • “Mr. Codling made my legal process easy.”

  • “All communication has always been timely and in a professional manner. Very thankful for the Givens Givens Sparks legal team in a stressful situation.”

  • “The personal attention given to the needs of our family's case has always been timely, professional, and accurate. I have gratitude for each person in the firm, but especially Mr. Sparks and Paula Bland.”

  • “The entire firm extended a personal interest in my case from the beginning to the end. My attorney, Chris Givens, created not only this interest but a personal relationship as a genuine friend not only during the course of my case but still continues prese”

  • “Communication was a strong point. When I had a question, an answer was provided in a timely manner.”

  • “Did exactly what they said. Period.”

  • “We really like Kelly. She's really quick on her feet and able to think outside the box, in terms of getting favorable solutions to our unorthodox situation. Tiffany is very helpful too, working with us as a team. My husband and I appreciate them both.”

  • “Stann Givens, Lindsay A. Moczynski and Arely Quiles, Paralegal/ Client Care Manager all were very helpful and professional. Great team, great job. Thanks, Stann!”

  • “Frequent contact, never left in the dark and wondering what was next. Thanks to Paula.”

  • “Kept in touch, always available, quick turnaround and very professional and courteous.”

  • “Very professional, polite and always respectful. I felt your team had my best interests at heart and that you tried wherever possible to keep costs to a minimum.”

  • “I am forever humbly grateful for their honesty, integrity, and diligence.”

  • “I do wish I would have retained earlier so as to avoid a lot of unnecessary stress.”

  • “Victoria Cruz-Garcia has been the best throughout both of my cases.”

  • “Rob Sparks is a great attorney, and even better person. Paula Bland is as good as it gets.”

  • “”

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