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If you have been in a car accident in which damage has been done – either to bodies or to property – the costs involved can quickly add up to tens of thousands of dollars. It is important that all motorists on the road select insurance plans that balance a decent amount of coverage with the amount of money they can afford to pay for these policies. When the liable party in an accident does not have adequate coverage to pay for bills incurred during this incident, the other motorist may have to turn to their insurance companies for uninsured or underinsured motorist coverage.
If you have been involved in a motor vehicle accident in which the liable party did not have insurance or was underinsured, then you will need to approach your own coverage company to negotiate a settlement. The St. Petersburg uninsured & underinsured motorist lawyers of Beltz & Ruth, P.A. can help you come to a fair agreement with the insurance provider. Please contact our offices today at 800-931-8106 to speak with one of our experienced lawyers.
Uninsured and underinsured motorists are those that lack an adequate insurance plan to pay for the damages incurred in an accident. You should be aware of the differences between these two types of drivers:
- Uninsured motorists are those that have not purchased auto insurance, who have not met state-set regulations regarding minimum coverage policies, or whose insurance provider cannot or will not pay for the damages incurred.
- Underinsured motorists are those that have met minimum legal requirements regarding insurance plans, but whose coverage is not enough to pay for damages done in the accident.
If you are involved in an accident with someone who is either underinsured or uninsured altogether, then an uninsured motorist/underinsured motorist (UM/UIM) insurance policy can help pay for the damages.
If you have purchased UM/UIM coverage and your insurance company refuses to pay for damages incurred during an accident, then you have a legal right to fight this breach of contract in court. The St. Petersburg uninsured/underinsured motorist attorneys of Beltz & Ruth, P.A. can help you make your case. To speak with one of our experienced lawyers, please contact our offices today at 800-931-8106.