Democratic Dad Blog

Bradenton Personal Injury Lawyer for You

At the Harris Law Firm, we represent indidivudals a typical car insurance policy states that if you are in a car accident and suffer injuries caused by a hit-and-run driver or someone with no car insurance, and you have UM insurance, then your own car insurance will provide coverage to protect you. Contact a personal injury lawyer Bradenton Florida for legal help.

Given the complexity of determining the type of insurance that applies to your particular car accident situation, we’ve written a special, in-depth consumer report about how to deal with an uninsured/underinsured driver and ways to protect yourself. Contact a Bradenton attorney for legal help.Uninsured motorist coverage is actually the most important part of your car insurance policy because it is the part that will cover you (the client) if you are in an car accident caused by a drunk driver with no insurance, by a hit-and-run driver who flees the scene of the accident, or just by a person who does not have car insurance.

Other parts of your car insurance are protecting the other person in the sense that your insurance company will pay the limits of your insurance if you are the negligent party. On the other hand, uninsured motorist (UM) coverage protects you and provides insurance coverage to you if a negligent or careless driver in a car crash with you does not have insurance or even if their insurance expired or lapsed. A personal injury attorney Bradenton Florida may be able to help.

Some insurance companies require proof of actual collision or contact between the uninsured or hit-and-run driver’s car and your “host” car. Some insurers not have an actual contact or property damage requirement, but there has to be proof and solid evidence that the hit-and-run driver caused the crash in question and if unknown, that evidence exists that the “phantom” driver fled the scene.