Stuart – Port St. Lucie, Florida trial lawyer explains what insurance has to do with your Florida personal injury claim.
The family a young man who was seriously injured in a motorcycle accident hires our firm to see if we can assist him in getting his needed medical attention and recovery for the loss of leg. We investigated the matter and learned that the person who hit the young man had no insurance to pay for the claim. We investigated the person and learned that they had no assets to go after. We were not able to assist this seriously injured person.
Another potential client was seriously injured in a car accident that was not her fault. Her medical bills were over $100,000 – the other driver had $10,000 of insurance.
A student was killed walking to the bus stop when the driver veered off of the road. The defendant driver's insurance company had an insurance policy with a small amount of money. They sent the insurance check to the family. The driver had no money of her/his own. The family wanted to know if anything else could be done because the insurance money barely covered the funeral expenses. The answer was no.
Insurance has everything to do with a personal injury claim. In this day and age most people do not have a lot of assets – they are what we call judgment proof. In Florida, drivers are not required to carry bodily injury insurance coverage, which pays for bodily injuries if the driver is at fault for the crash. A lot of folks have no insurance coverage. This is why, it is very important to make sure that you purchase uninsured motorist coverage, which will protect you if you're injured by an uninsured or underinsured driver on our roads.
Insurance has everything to do with a personal injury case – most of the time – it is NO COVERAGE – NO PERSONAL INJURY CLAIM.
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