Don't wait until tragedy strikes! Protect yourself now!
In the recent past, I have had the unfortunate duty of breaking the news to a deceased person's loved ones that, even though someone killed their family member in an accident or other incident, they cannot recover money damages because there was no insurance coverage. These family members are not trying to profit off of their loss; they are simply trying to replace lost income and gain compensation for medical bills, pain and suffering, and other damages.
Take, for example, a beautiful young woman with a small child who recently lost her husband in a terrible accident. She now has to make ends meet with without the support of the child's father, and was hopeful that she might at least be able to find some monetary recovery to help her get back on her feet after her husband's death. Unfortunately, the other person involved in her husband's death had no insurance.
These types of situations are all too common in Florida, because our state does not require motorists to carry Bodily Injury or Uninsured/Underinsured Motorist insurance coverage. The State of Florida doesnĂ˘â‚¬â„˘t even require that boat owners carry any sort of insuranceĂ˘â‚¬â€ťand we all know too well that many individuals operating boats (especially on holidays) are drinking on the waters.
As a Florida resident, you should be aware that most automobile owners in this state are driving without insurance that will protect you. Uninsured/Underinsured Motorist (or U.M.) insurance is the only type of insurance that will protect you in the instance that you are involved in an accident with an improperly insured driver. Be sure to purchase U.M. insurance in the amount of at least 100/300 coverageĂ˘â‚¬â€ťthatĂ˘â‚¬â„˘s $100,000 per person, and $300,000 total per accident.
If you have more than one car under the same policy, stack your insuranceĂ˘â‚¬â€ťin some cases, this will act as a multiplier for the total amount of coverage. For example, if you have two cars, with 100/300 coverage stacked, you will actually have $200,000 per person and $600,000 total per accident in U.M. insurance available to you.
Many people, including myself before I began working in the legal field, believe that insurance is costly and you wonĂ˘â‚¬â„˘t ever need it. It wasnĂ˘â‚¬â„˘t until I saw the devastation in a victims face when they realized that there was no way they could recover for the injuries that left them completely disabled, that I realized the importance of having the proper amount of insurance.
Call or email the Law Offices of Stephen K. Miller, P.A. for a free consultation. Even if you havenĂ˘â‚¬â„˘t been in an accident, and just want some help decoding your insurance policy to protect yourself!
At the Law Offices of Stephen K. Miller, we accept personal injury, wrongful death, and medical malpractice lawsuits on a contingency fee basis, meaning you would owe us neither legal fees nor costs unless we recover money damage for youĂ˘â‚¬â€ťthus, there is no up front cost to you for us to handle the case. In addition to wrongful death, personal injury, and medical malpractice cases, our firm also handles lawsuits involving divorce, custody battles, domestic violence injunctions, will and probate matters, and criminal defense cases. Our firm has offices in Gainesville, Ocala, Chiefland, Lake City, Palatka, Jacksonville, Daytona, Palm Coast, St. Augustine, Orlando, Kissimmee, Lake Mary, and Melbourne.
If you or a family member has been seriously injured or died in a car crash, boating accident, DUI accident, tire failure crash, bike accident, rollover crash or other incident or as the result of someone elseĂ˘â‚¬â„˘s negligence or malpractice, contact the Law Offices of Stephen K. Miller for a free phone consultation at (866) 496-8752 or via email at Info@ForYourLaw.com
BY: Monica Perez-McMillen, Attorney at Law
October 11, 2012