West Palm Beach Uninsured/Underinsured Motorist Accidents

Car Crash Lawyers Advising Victims in the West Palm Beach Area

Injuries that result from car accidents can be quite significant, with numerous trips to the doctor, rehabilitation, and other consequences that quickly escalate costs for a victim. When these collisions involve an uninsured or underinsured motorist, victims may feel helpless and without options to pay for their increasing expenses. The West Palm Beach car accident attorneys at Donaldson & Weston help crash victims pursue proper compensation from a responsible insurance company or another party after an uninsured or underinsured motorist accident. Although certain insurance requirements are imposed on South Florida drivers, not all motorists obey the law, or some may be from out of state, where different rules apply.

As a result, victims may need to rely on their own insurance companies or other sources in order to help pay for the damages associated with their injuries. Our firm assists clients in pursuing proper legal action in order to make sure that accident victims are financially stable following a collision.

Uninsured and Underinsured Motorist Accidents

West Palm Beach is a popular destination for tourists. Drivers in rental cars, as well as visitors from states without the same insurance requirements, may not have adequate coverage in the event of a collision. Additionally, many West Palm Beach residents do not purchase the appropriate coverage necessary to deal with the financial impact of a serious car accident.

Under Florida law, all motorists are required to purchase a minimum amount of personal injury protection (PIP) insurance in order to protect victims injured in an accident. This coverage applies to passengers, drivers, and any other parties involved in a crash, such as a pedestrian or a bicyclist. Drivers must obtain $10,000 in PIP coverage for medical or disability costs, as well as $5,000 for collisions involving a fatality. West Palm Beach motorists are also required to obtain property damage coverage of $10,000.

Generally, there is no state requirement regarding serious bodily injury coverage, which includes any injury leading to permanent disfigurement, temporary or permanent impairment, or loss of a body part, as well as injuries carrying a substantial risk of death. One exception is that drivers who have been convicted of driving under the influence or other specified statutory offenses, or who have been involved in previous accidents, need to carry insurance policies containing $100,000 in bodily injury coverage. Bodily injury coverage applies to victims when the insured party is found liable for causing a collision. Since bodily injury coverage is not typically required, when a crash is especially severe, victims are often left without enough insurance coverage to deal with their injuries. Since this is a no-fault state, Florida drivers can pursue benefits or compensation from either their own or another driver’s insurance company, regardless of which party was at fault for an accident.

Liability for Uninsured or Underinsured Motorist Accidents

People who have been hurt in accidents involving an uninsured or underinsured motorist can pursue legal action against the party responsible for causing their injuries. Victims may receive compensation from negligent defendants through personal injury claims. Negligence exists when a driver breaches their duty to act as a reasonable and prudent person would act in the circumstances, causing injuries and resulting in damages.

After showing that another party acted negligently, a victim who is covered by an uninsured motorist insurance policy has the option of receiving benefits from their own insurer. These policies are not required in Florida, but they allow policyholders to collect the maximum policy amounts in accidents involving an underinsured or uninsured motorist. Otherwise, most insurance companies only cover 80 percent of a policyholder’s medical costs and lost income damages, amounting to their PIP coverage limit.

Contact a Knowledgeable Car Accident Lawyer in West Palm Beach

When serious injuries result from a West Palm Beach collision, victims often need additional financial aid to cover their medical costs, time missed from work, and other expenses associated with their injuries. The West Palm Beach attorneys at Donaldson & Weston assist clients in pursuing action either against a liable party or against an insurance company that is not cooperating as it should in the aftermath of a motor vehicle collision. If you have been involved in an accident with an uninsured or underinsured motorist, call our office today at (772) 266-5555 or contact us online to set up a risk-free, no-cost consultation to learn more about how our car accident lawyers can help you.

Testimonials
★★★★★
“The attorneys at Donaldson & Weston helped me get an amazing result on my case. Obviously I’ve been through a lot physically but I feel better now and the money really helped my family. When I was riding my bicycle I was hit by a truck that wasn't paying attention. I am not the suing type, but I would definitely hire this firm again.”
MP
★★★★★
“After my accident, i felt like I was being pulled in a bunch of different directions. I really didn't know what to do and all I wanted was someone to shoot me straight. The lawyers at the firm were so honest and definitely pointed me in the right direction. The staff was professional. I think it’s great that only attorneys work on my case, it definitely made me feel comfortable”
DL
★★★★★
“After my accident happened I waited to hear back from the insurance company for about 6 months. I just felt like they kept jerking me around. They even told me not to hire an attorney because it would mean less money in my pocket. I couldn't wait any longer because my bills were out of hand. I hired this firm and they were solid. I got a great result without having to go to court.”
SC