Underinsured Motorist Accidents

Contact the Holliday Karatinos Law Firm, PLLC today for a free consultation.

Seasoned Florida Car Accident Attorneys

When an underinsured motorist causes a crash, the victim may face challenges to their right to compensation. At Holliday Karatinos Law Firm, PLLC, our Spring Hill underinsured motorist accident lawyers offer seasoned and tenacious representation to car crash victims. Our attorneys bring over five decades of combined legal experience to help you fight for the recovery you deserve. We can provide the guidance and counseling you need if an underinsured motorist caused your injuries.

Underinsured Drivers

All motorists in Florida are required to have insurance coverage in case they are involved in a crash. Under Florida’s motor vehicle no-fault law, drivers must have a minimum amount of personal injury protection ($10,000) and property damage liability insurance ($10,000) to cover any injuries or damage in a crash. The coverage provides compensation to a victim irrespective of fault.

Although the state does not require bodily insurance coverage of all drivers, certain motorists must obtain this coverage. Florida drivers who were previously involved in a crash or convicted of certain offenses must have bodily injury coverage in the amounts of $10,000 for bodily injury or death, $20,000 bodily injury liability for two or more persons in a single crash, and $10,000 in property damage. If a person was convicted of DUI, the amounts rise to $100,000 for bodily injuries, $300,000 for two or more persons per crash, and $50,000 in property damage.

Despite these laws, many Florida motorists get behind the wheel either with no insurance or with simply the bare minimum required by law. If they are involved in a crash, these amounts may not cover the costs associated with the physical injuries and other damage suffered by accident victims.

Liability for an Underinsured Motorist Accidents

You can pursue a personal injury claim against the driver who caused your car accident injuries. If a motorist is underinsured, you may be able to get damages from the driver’s assets or other insurance policies, your own insurer, or possibly other parties. You must establish the driver’s liability to recover damages for your injuries.

Many car wrecks are caused by a driver’s negligence. Florida requires that motorists exercise care when they drive. A driver may breach this duty of care through actions such as speeding or distracted driving. The victim also must show that the motorist’s breach caused injuries and related damages.

If a driver is intoxicated and causes a DUI accident, the victim may use negligence per se. This occurs when someone breaks a law that creates a duty to take certain precautions to protect a particular type of person. A motorist convicted of a DUI who also causes a crash can be held liable under the rule of negligence per se.

In some motor vehicle accident cases, the motorist is not the owner of the vehicle. If the at-fault driver does not own the vehicle but drove with the owner’s permission, you may be able to recover damages from the owner in addition to the driver and your own insurer.

Damages and Compensation

Uninsured car crash victims can get damages for their serious injuries. You may be able to seek compensation for your current and future medical bills, lost wages, loss of earning capacity, and more. Relatives of a victim who died in a crash may file a wrongful death suit and potentially recover for the deceased’s medical expenses, funeral and burial bills, and other damages based on their relationship to the victim.

Experienced Legal Counseling and Advocacy in North Tampa

Holliday Karatinos Law Firm, PLLC offers experienced legal representation to victims of underinsured motorist accidents in Florida. Our North Tampa car crash attorneys have represented victims and their families in countless complex vehicle accident cases. Our lawyers can review the facts of your case and assess your rights. We provide our clients with the aggressive advocacy they need to obtain fair compensation from negligent parties and the insurers responsible for serious car accident injuries. We provide our service to clients in New Tampa, Lutz, and the surrounding areas. Please call us today at (866) 597-0009 or complete our online form to schedule a confidential consultation at no cost to you.

Memberships & Recognitions