Most Florida drivers are well aware of the minimum insurance coverage they are required to carry if they own or operate a motor vehicle. Unfortunately, too few drivers are not fully aware of other available coverage that can provide additional benefits when they have been injured in an automobile accident. Our Tampa Automobile Accident Attorneys are here to assist you and loved ones who have been involved in an automobile, motorcycle, bicycle or trucking accident or who may simply have questions regarding their automobile insurance coverage.
One such attractive coverage is uninsured / underinsured motorist coverage, or simply called "UM". UM coverage is available when the individual responsible for causing a motor vehicle accident and injuries did not have any bodily injury coverage at the time of the accident. In such a common scenario, you would likely be unable to obtain any settlement or collectible judgment against the person who caused the accident and injuries because of their failure to have bodily injury insurance coverage under an automobile policy. However, if you had elected UM benefits under your own automobile policy, then you would be entitled to collect money for your injuries under those benefits. UM benefits are offered in amounts ranging from $10,000.00 up to millions of dollars.
UM benefits are also available to you if the person responsible for causing the accident and your injuries are insufficient to fully cover your injuries and damages. In that such scenario, the person who caused the accident would be considered "underinsured" and thus, you would be entitled to the UM benefits you have selected under your automobile policy.
If you have been involved in an automobile accident, trucking accident or motorcycle accident, please contact us, your Tampa Personal Injury Attorneys. Our attorneys litigate accident and injury cases throughout the greater Tampa Bay area, including Hernando, Hillsborough, Lake, Manatee, Orange, Pasco, Pinellas, Polk, and Sarasota counties.