After an insurance company has exhausted the limits of your PIP coverage, if the other driver has no insurance or a small amount of coverage that is insufficient to cover the costs related to your injury, your uninsured or underinsured motorist coverage is there to cover the damage caused by the negligent party. However, if the negligent party was underinsured, your insurance will only cover the difference between your losses and the amount you received from the other party’s insurance company. In other words, we suggest that if you do not have this coverage, you should contact an attorney to obtain compensation for injuries resulting from the accident. An attorney may be able to seek damages from the negligent party’s homeowners’ insurance, your own insurance carrier, or your health insurance provider.
If you or someone you love has been the victim of a motor vehicle accident, please contact the law offices of Beers and Gordon P.A. for a free consultation. Our firm serves all of Seminole, Orange, Volusia, Lake, and Brevard counties, including Oviedo, Winter Springs, Altamonte Springs, Sanford, Longwood, Winter Park, Lake Mary, and Greater Orlando. Our attorneys have over 50 years of combined experience ready and willing to go the distance on your case.