Getting hit by an uninsured driver can leave you worried about your car repair bills and other expenses from the incident. Ask for help from an uninsured motorist accident lawyer in Wesley Chapel. From here, you can take the initial steps to seek compensation for your accident losses.
Distasio Law Firm has over 35 years of personal injury law experience. Our team handles uninsured and underinsured motorist (UM/UIM) claims, hit and run collisions, policy reviews, and negotiations with insurance companies.
Following an accident with an uninsured motorist, we encourage you to discuss your case with a Wesley Chapel car accident lawyer from our team. We want to fight for you and help you get fair compensation for your accident losses. To get started, request a free case consultation.
Types of Uninsured Motorist Accident Claims in Wesley Chapel, Florida
Our uninsured car accident lawyers in Wesley Chapel represent clients injured in crashes involving cars, SUVs, pickup trucks, motorcycles, bicycles, and pedestrians. Many uninsured motorist claims arise at busy corridors throughout Pasco County, including serious rear-end and intersection crashes.
Your Wesley Chapel personal injury lawyer is ready to handle underinsured claims where the at-fault driver’s limits are too low, as well as hit and run collisions. Whether you’re a driver, passenger, walker, or cyclist involved in an accident with an uninsured driver, we can evaluate your insurance policy and pursue benefits on your behalf.
For a free legal consultation with a Uninsured Motorist Accident Lawyer serving Wesley Chapel, call (813) 259 0022
How Uninsured Motorist Accident Coverage in Florida Works
In Florida, bodily injury liability coverage for drivers is not mandatory, which is why uninsured and underinsured motorist coverage matters. UM pays for your bodily injury losses when a negligent driver flees the scene or carries limits too low to cover your harm.
UM can be stacked or non-stacked. Stacked UM lets you combine limits across vehicles on the policy, which increases available funds. UM generally applies after PIP benefits and can help with medical needs, lost income, and non-economic losses.
Your uninsured motorist accident attorney in Wesley Chapel can answer any questions that you have about UM/UIM coverage. On top of that, they can provide insights into scenarios in which you may be able to use this coverage to get money for your tangible and intangible car accident losses.
Wesley Chapel Uninsured Motorist Accident Lawyer Near Me (813) 259 0022
Common Situations When UM Benefits Apply
UM coverage often applies to hit and run crashes or cases where the at-fault driver’s limits are too low. It may also apply when a phantom vehicle causes a crash without contact, if independent evidence supports your claim.
Passengers, pedestrians, and bicyclists can access UM if they are insured or fall under a household policy. Rideshare passengers may access UM under some policies, depending on the stage of the trip and available coverage layers.
Your Wesley Chapel uninsured motorist accident lawyer can help you file a UM claim with your auto insurance company. They may be able to negotiate an insurance settlement that allows you to recover economic and non-economic damages.
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Florida Insurance Rules That Can Affect Your Claim
Florida’s Personal Injury Protection (PIP) pays up to 80% of reasonable medical expenses and 60% of lost wages up to the policy limit, often $10,000, and you generally must seek initial treatment within 14 days. UM can cover additional bodily injury losses that exceed PIP and any other applicable benefits.
Florida follows a modified comparative negligence system. If you are 51% or more at fault for your auto accident, you cannot recover on liability claims against another driver. Alternatively, if you are 50% or less liable, your damages are reduced by your percentage of fault. UM claims still consider fault allocation when valuing payment.
For negligence claims against an at-fault driver, Florida generally allows two years from the crash date. UM lawsuits arise from your insurance contract and may have different legal deadlines.
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Proving Fault and Damages Without the At-Fault Driver
Even when the other driver leaves the scene of an accident, you can still build a persuasive claim. Your Wesley Chapel uninsured motorist accident attorney can gather traffic camera footage, crash scene photos, skid marks, debris fields, and witness statements to help connect the dots.
Your medical records, bills, and provider opinions can tie the crash to your injuries. Also, your no insurance car accident lawyer in Wesley Chapel can use your employment records to verify your lost income and rely on journals, photos, and statements from family or coworkers to show that you’re dealing with pain and suffering from your accident.
Compensation That You Can Pursue Through UM Coverage
UM can pay for more than just initial medical bills. Depending on your evidence and limits, you may pursue payment for hospital care, therapy, prescriptions, and future procedures. Lost wages and reduced earning potential can also factor into the value.
Pain and suffering, loss of enjoyment, and inconvenience are often recoverable in bodily injury claims, including UM. The specific recovery depends on policy limits, stacking, and how strongly your documentation supports each category. Your car accident no insurance lawyer in Wesley Chapel will account for your quantifiable and subjective losses as they prepare your case.
When UM Claims Lead To Bad Faith Actions
Florida law requires insurance companies to act fairly when handling valid claims. If a UM carrier unreasonably delays or underpays after receiving clear proof of loss, that conduct can trigger a separate remedy.
Often, a civil remedy notice must be filed and time must pass before a bad faith lawsuit can proceed. Car accident attorneys can evaluate these situations, present the strongest record possible, and advise you on whether a separate action is appropriate.
Partner with Our Uninsured Motorist Accident Lawyers in Wesley Chapel
If an uninsured driver crashes their car into yours or you are involved in a hit and run accident, you may be able to get compensation for your losses via your uninsured motorist insurance policy benefits. To do so, it helps to have uninsured motorist accident attorneys in Wesley Chapel on your side to guide you through the claims process.
The team at Distasio Law Firm focuses on finding solutions for our clients. If we take your uninsured motorist accident case, you will have access to your attorney, and we will provide you with help and answers.
If you’re interested in filing an uninsured motorist accident claim or are in the middle of one, we are here to assist you. To learn more, schedule a free case consultation.
Call or text (813) 259 0022 or complete a Free Case Evaluation form