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By: Heath C. Murphy + – Car Accidents I scream about the benefits of maintaining an uninsured motorist policy. I do it so often I feel like Don Quixote trying to right the world’s impossible wrongs. In simple terms, a standard automobile insurance policy is to protect the people you hit. In other words, it […]
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By: Heath C. Murphy + – Car Accidents
I scream about the benefits of maintaining an uninsured motorist policy. I do it so often I feel like Don Quixote trying to right the world’s impossible wrongs. In simple terms, a standard automobile insurance policy is to protect the people you hit. In other words, it is to protect strangers. Uninsured motorist coverage protects you and your loved ones. It is that simple.
How Does Uninsured Motorist Coverage Work?
Florida requires that drivers maintain automobile insurance in the amount of $10,000.00 in PIP coverage and $10,000.00 in property damage coverage. That is it. If you are thinking what if someone gets hurt in the accident, the answer is there is no insurance to pay for their injuries. Now imagine that you are driving down 4th Street in St. Pete and as you cross 38th Avenue, a man with the insurance coverage I just described runs the red light and t-bones your car on the driver’s side door. You suffer cuts, bruises, a broken collar bone and a concussion. You are transported to the hospital where you are held overnight for treatment and observation. What is the likely outcome?
First, it is very likely that your bills from the hospital, alone, will exceed $25,000.00. The PIP coverage on your policy will pay 80% of medical expenses and 60% of lost wages up to a maximum amount of $10,000.00. The at-fault driver’s insurance will not pay for any of your medical bills. Remember he did not purchase bodily injury coverage on his policy. Likewise, it will not pay for pain and suffering or lost wages. Using my example, your PIP insurance will pay out $10,000.00, but you will be left holding the bag for the remaining money owed for your medical treatment. Even if you have good health insurance, this bill can quickly run into the thousands of dollars. Without good health insurance, it can force hardworking people into bankruptcy through no fault of their own. This is the result if you rejected the uninsured motorist bodily injury coverage on your policy.
Now, if you have UM coverage, your own insurance company will step in an pay for your medical bills, lost wages and pain and suffering which were not paid for by your PIP coverage. Your UM coverage will pay an amount up to the predetermined amount of insurance that you purchased. That sounds great, right? The next question that everyone asks me is, will my insurance rates go up for making a UM claim?
Can My Insurance Company Raise My Rates If I Make a UM Claim?
The good news is that Florida law prohibits an insurance company from raising the rates on their insured because an uninsured motorist claim was made by the insured. It sounds great and it is a nice protection for consumers, but an insurance company can raise your rates because the accident itself caused you to lose discounts offered by the company. As a practical matter, those discounts are generally lost when the accident occurs and are not dependent upon the filing an uninsured motorist claim. In my opinion, not filing an uninsured motorist claim because of the fear of higher rates is not a justified fear.
Contact an Experienced Car Accident Lawyer at The Law Offices of Bobby Jones
Have you or a loved one been injured in a car accident? Contact an experienced St. Petersburg car accident attorney at Jones Law Group today. When you contact our office we will immediately set an appointment where you will meet your attorney and be provided with his/her personal contact information. If you do not have transportation or you cannot drive, your attorney will travel to meet you and discuss your case with you.
If you or a loved one has been injured in a car accident caused by the negligence of another, you should immediately call an experienced personal injury attorney in St. Petersburg at Jones Law Group at (727) 571-1333 during regular business hours or (727) 753-8657 on weekends or after regular business hours. We will evaluate your case for free and you will never pay us a dime unless we recover compensation for your injuries.
Jones Law Group
5622 Central Avenue
St. Pete, FL 33707
References:
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A Twelve Year Old Nearly Hit in a Crosswalk in Hernando County Last week twelve year old, Raymond Pearson, was on his way to school and was crossing at the intersection of Sunshine Grove Road and Ken Austin Parkway. There were two crossing guards present, Sonny Isabell and Mike Bachmayer, who were monitoring the intersection. […]
Summary When most people think about truck accidents caused by large trucks, they usually picture semi-trucks that weigh 80,000 pounds. But there are many kinds of large trucks, and they can all result in devastating accidents leading to catastrophic injuries – and worse. The following is a look at some of these trucks and information […]
It’s not fair, of course, but it’s almost inevitable. You’ve suffered a severe injury in a car accident, and you know it wasn’t your fault. But the insurance company doesn’t care. Since they only prioritize their bottom line, they’re not interested in doing what’s right. The insurer will do everything it can to pay as […]
Florida truck accidents caused by falling cargo can inflict catastrophic injuries and lead to multi-car pile-ups as drivers try to avoid collisions. Summary When cargo falls off of a semi-truck, it can directly hit other motorists or force them to swerve out of the way, which can lead to collisions. Additionally, the truck driver may […]
Florida Laws Regarding Passengers on a Motorcycle Florida has very relaxed laws on the use of motorcycles. As far as passengers are concerned, they must occupy either a separate seat or a seat meant for two riders and they must have footrests dedicated solely to their use.[1] There is no minimum age requirement for passengers, […]
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Call our personal injury law office directly at (727) 512-9847
Jones Law Group is a dedicated personal injury lawyer in St. Petersburg, FL, serving the Tampa Bay area since 2006. Our experienced attorneys specialize in car accidents, slip and fall cases, employment law disputes, construction law issues, and overtime wage claims, fighting for maximum compensation on a contingency fee basis. Contact us for a free consultation to discuss your case.
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