Uninsured and Underinsured Driver Accidents
Experienced Orlando lawyer ready to help
All drivers in Florida are required to buy insurance in case they are involved in a car accident. But what happens if you are injured in a crash caused by a driver who doesn’t have enough insurance to cover your damages – or one that has no insurance at all? An experienced car accident lawyer can help.
Attorney Michael Cerasa of The Cerasa Law Firm LLC understands the impact a car accident can have on victims and their families. He worked for large law firms and knows how to build strong cases that get results. As founder of his own firm, he is able to provide clients with personal attention and guide them through the legal process for recovering compensation.
Experienced legal representation in Central Florida
Getting hurt in a car crash is a difficult situation under any circumstances. But when the other driver is uninsured or underinsured, there’s the added stress of not knowing how you’ll be able to pay for medical expenses and other damages. Attorney Cerasa can pursue every option for compensation that is available to you.
Florida is a no-fault state, and all drivers are required to carry at least $10,000 of personal injury protection (PIP). This typically covers up to 80% of all necessary and reasonable medical expenses for treating your injuries. But if you were seriously hurt, medical expenses can easily exceed that amount. And other types of damages are not covered.
If you chose to buy uninsured and underinsured motorist coverage (UIM), it can be used to pay for medical expenses, lost wages if you couldn’t work and other damages, such as pain and suffering.
If the other driver was underinsured, you can pursue financial compensation for damages you suffered up to the policy limits.
What if the driver was uninsured? If the driver was identified, you can take legal action to recover damages. But that person may not have the assets to pay any damages you are awarded.
An attorney who knows how to deal with insurance companies
Whether you try to recover compensation through another driver’s insurance company or your own, you will face challenges. Insurance companies will try to pay you as little as possible. They may say your injuries aren’t that serious or that they were pre-existing.
Another favorite tactic they use to pay you less is the settlement offer. Soon after your crash, they’ll contact you with this offer and may even promise quick payment. As your bills are adding up, it can be tempting to accept. But their offer will fall far short of covering the damages you suffered.
Attorney Cerasa determines the total damages you suffered in your accident. This includes current and future medical expenses, lost wages and other damages. He investigates your accident to get the facts. Then he builds a strong case for compensation that insurance companies have to take seriously.
If you were hurt in an Orlando accident with an uninsured or underinsured driver, it’s important to get legal advice as soon as possible. Attorney Cerasa is ready to help. Contact us to schedule a free consultation. If we do represent you in your case, you owe us nothing unless we recover financial compensation.