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South Florida Uninsured And Underinsured Motorist LawyerSouth Florida uninsured and underinsured motorist lawyer David I. Fuchs has over 17 years of experience in successfully representing motor vehicle accident victims, their families and friends who have suffered a death in the family or sustained serious bodily injuries, pain and suffering, lost wages and medical bills because of the carelessness or negligence of another driver who is either uninsured or underinsured. It's like preaching to the choir when you talk to Californian David Martin about the importance of carrying uninsured/underinsured motorist protection. Martin, an interfaith minister in Novato, says, "I'm willing to pay a little extra for it because it makes my life a little simpler, I know that if I'm in an accident I'll be covered even if the other driver doesn't have enough insurance or doesn't have any at all." Martin admits that he's been buying uninsured/underinsured motorist protection "for the last 20 years." Martin's auto insurance policy pays for bodily injury and property damage that his car causes in an accident. On top of that coverage, why would he and other drivers need to arrange uninsured/underinsured motorist protection? Why buy uninsured/underinsured motorist protection? Consumers should think of uninsured/underinsured motorist protection as an important self-help tool that usually is pretty affordable. Selective Insurance Vice President Sharon Cooper touts uninsured/underinsured motorist protection as "an important coverage for consumers because it protects them in situations they can't plan for. Without the coverage, their only recourse may be to sue an individual to cover their losses if (that other driver) doesn't have insurance or enough insurance." Martin, Cooper and other fiscally responsible-minded motorists have reason to be concerned about those who drive on America's roadway's in defiance of compulsory auto insurance laws... and there are a lot of uninsured drivers. To wit: The National Association of Independent Insurers (NAII) and the Insurance Research Council (IRC) both report that around 14% of America's motorists drive without insurance. How bad is it? The IRC released a study showing that in 2001, 14 percent of drivers in the United States were uninsured during the years 1995 to 1997, the same rate as in 1995 as reported in a previous study. "The percentage goes even higher in certain states such as Colorado, which is the highest (34%); Mississippi (29%), Alabama (28%), New Mexico (27%) and California (26%)," says Dan Kummer, director of personal auto for NAII, in Des Plaines, Ill. Worse yet, uninsured drivers cause an increasing number of accidents and larger claims. Insurance industry officials estimate these drivers can be blamed for one of every eight serious accidents, a 40% upturn over the last decade. Many drivers don't carry insurance because they can't afford the cost of coverage, while others figure they can get away with breaking the law because of lax enforcement, according to insurance industry insiders. NAII's Dan Kummer said Colorado and various other states in recent years have been implementing different laws to enforce compliance with requirements that motorists buy liability insurance or show financial responsibility. "The percentages of uninsured motorists haven't shown much change in recent years, and that tells me that there's a group of drivers who can't afford or simply won't buy insurance for whatever reason." What does uninsured/underinsured motorist protection cover? "You can protect yourself from being hurt financially by buying uninsured/underinsured motorist protection," points out Kummer. "Without uninsured/underinsured motorist coverage, you have little likelihood of gaining payment for damages you or your vehicle sustain if you're involved in an accident with a driver who is either underinsured or driving without any coverage," says Kummer. Uninsured coverage also covers you if your vehicle gets hit by a hit-and-run motorist. "With this coverage," Kummer continues, "you and your passengers receive compensation for medical expenses, lost wages and other injury-related losses. You can sue that person, but if that driver has nothing, you'll get nothing even with a favorable judgment." Underinsured motorist protection pays you for damages that surpass the amount of coverage carried by a driver who is underinsured. "That's valuable, because many drivers carry minimum limits, and that may be insufficient to cover your injuries and lost wages," notes Kummer. The Insurance Information Institute's Jeanne Salvatore extolled the virtues of such catastrophic coverage. "You need this coverage, because, if you get into an accident with someone who is driving without insurance or doesn't have enough of it, you want to be made financially whole again." You're on the right path, figuratively and literally, if you think uninsured motorist protection can help you in another way. "If you carry this coverage and if you, as a pedestrian, get hit crossing the street, the coverage could pay your medical expenses and lost wages," says Salvatore, Vice President of Consumer Affairs for III, in New York. South Florida uninsured and underinsured motorist lawyer David I. Fuchs will represent you for injuries that include, but are not limited to:
After a collision with another party it is imperative to call the police to the accident scene, seek immediate medical treatment. It is then important to seek legal counsel to protect your legal rights by calling Florida uninsured and underinsured motorist lawyer David I. Fuchs who will take your call and speak with you immediately about your motor vehicle accident. Florida uninsured and underinsured motorist lawyer David I. Fuchs will then stand ready to fight for you to see that you get compensation for your pain and suffering, any lost wages and medical bills. Call South Florida uninsured and underinsured motorist attorney David I. Fuchs Toll Free at 800-570-2858 for a free consultation to discuss your motor vehicle accident caused by the negligence of an uninsured or underinsured driver. You may also write to South Florida uninsured and underinsured motorist attorney David I. Fuchs by filling out the form on the "Contact Us" page." If you can not come to us South Florida uninsured and underinsured motorist lawyer David I. Fuchs will send a representative to see you. We speak English and Spanish. Se habla ingles y espanol. Llame David Fuchs Florida abogado accidentes de caros. |