Uninsured Motorist Claims

Finding Insurance Coverage for Your Auto Accident

Orlando, Florida, Personal Injury Lawyer Scott M. Miller

Se Habla Español • 24-Hour Availability • Toll-Free: 1-866-645-5375

A common problem in motor vehicle accidents is that the negligent driver who hit you has no insurance or inadequate coverage to pay for your medical bills. Some attorneys will not take these cases. The Law Office of Scott M. Miller will. We leave no stone unturned in seeking out sources of insurance to get the compensation you need.

If your claim for damages in a Central Florida car accident has been turned down, or the driver who hit you was uninsured, contact our experienced attorney today for a free consultation. Based in Longwood, we represent clients in greater Orlando and Orange, Seminole, and Volusia Counties.

Auto Accident Insurance in Florida

Florida is a "no-fault" insurance state. When you are involved in a crash, it is supposed to work like this:

• For the first $10,000 in medical bills and lost wages, your own insurance company pays, no matter who caused the crash. This is called Personal Injury Protection (PIP or "no-fault coverage"), required on all policies in Florida.
• If your medical expenses exceed $10,000, the negligent driver's bodily injury liability insurance covers the remaining costs. If you were not at fault, your losses should be fully covered.

Uninsured Motorist / Underinsured Motorist

Two problems commonly arise: (a) the other driver does not carry the required liability insurance, or (b) that driver's coverage is too low to cover your losses. Florida has one of the lowest requirements in the nation for minimum liability coverage, and many, many drivers carry only that much insurance — $10,000 per person up to a limit of $20,000 per accident. Medical expenses easily exceed $10,000 for serious injuries requiring hospitalization, surgery, or rehabilitation.

There is a solution for this scenario. Many drivers carry uninsured motorist/underinsured motorist coverage (UM/UIM) on their own insurance policy. Your insurance company pays if the other driver's liability insurance cannot.

Experience in Uninsured Motorist Claims

Your insurer will look for any reason to deny your claim or minimize your compensation, for your no-fault claim or a UM/UIM claim. If not submitted properly, your claim for damages could be severely delayed or denied outright. Scott M. Miller has filed thousands of uninsured motorist/underinsured motorist claims. He understands the specific procedures for presenting these claims to secure additional benefits for clients.

Many law firms turn down auto accident cases with low amounts of insurance at issue. The Law Office of Scott M. Miller will take your case and fight to extract the coverage to which you are legally entitled. Mr. Miller often hires outside agencies to help locate any source of excess insurance coverage — something less experienced lawyers may not know to do.

Call today at 1-866-645-5375 (866-Miller5) for a free consultation. We have Spanish speakers on staff and you can reach The Law Office of Scott M. Miller 24 hours a day.