What you should know regarding INSURANCE POLICIES FOR THE UNINSURED &UNDERINSURED

A car accident injury attorney who represents a personal injury client in car accident settings has to send written requests for disclosure of insurance policies to the driver who was responsible for causing the crash. If you are a client who is living with a parent, your parent may have an automobile insurance policy (such as PIP) that covers all the people that are residing with the parent and there may be additional uninsured or underinsured coverage that is available. If you were working when the injury occurred, you could potentially consult your employer to see if the employer has uninsured or underinsured coverage for you and if the employer's coverage may be used to supplement or provide recovery monies altogether if the offending party is in fact uninsured or underinsured.

In some cases if the injured party was riding alongside with their friend or somebody else he may be able to consult the driver's uninsured or underinsured policy to recoup coverage to compensate themselves for their injuries. And yet in other circumstances, if a driver borrows another driver's car with the other driver's permission and gets into an accident due to the negligence of someone who is uninsured or underinsured, they may be able to recover monies from the automobile owner's uninsured or underinsured policy.

Of course, in cases where your damages are equal to or less than the insurance policy that is purchased by the wrongdoer, compensation may be adequately sought without the need to consult uninsured or underinsured benefits or policies which may be otherwise available. Part of the investigative process that the car accident injury attorney has to engage in representing a car accident victim is to aggressively and effectively seek all the insurance policies that are available and could be used to compensate the injured for the damages that they may have incurred as a result of someone else's negligence.

In addition, under Florida law, automobile owners are required to have a minimum of $10,000.00 in PIP coverage. PIP stands for Personal Injury Protection, it is designed to pay you for 60% of your Lost wages and 80% of your medical bills. Remember PIP is paid by your own insurance carrier, regardless of fault.

Additional monies may be available via uninsured, or underinsured coverage you carry or through liability insurance that may be available by the wrongdoer.