How Much Is an Uninsured Motorist Claim Worth in Florida?
After a car accident caused by an uninsured driver, one of the first things people want to know is: What is my uninsured motorist (UM) claim worth? The truth is, there’s no one-size-fits-all answer. Every accident, injury, and insurance policy is unique, so the value of a claim changes from case to case.
Understanding the factors that affect the value of a UM claim can help you understand what to expect.
How Serious Are Your Injuries?
Injuries play a huge role in determining the value of a UM claim. The more severe the injury, the higher the medical bills usually are, and the longer it takes to recover. Insurance adjusters typically consider the type of injury you suffered, what treatment you received, whether you had surgery, how long you’ll need to recover, and if you’re facing any lasting disabilities.
Your Medical Costs
Emergency visits, hospital stays, doctor appointments, imaging tests, physical therapy, prescriptions, future medical care, and other medical expenses play a significant role in determining the value of a UM claim. The more you can document these expenses, the stronger your claim will be.
Lost Wages and Reduced Earning Capacity
If you missed work because of your injuries, you can include lost wages in your UM claim. For more serious injuries, your ability to work in the future, or even return to your old job, could be affected. In such a case, you may be eligible for compensation for reduced earning capacity.
Employment records, pay stubs, and notes from your doctor can help prove this financial loss.
Pain and Suffering
Your UM claim might also cover non-economic damages such as pain and suffering, loss of enjoyment in life, and others. These losses can be tough to quantify, but are often a big part of cases where injuries have lasting effects.
Your UM Policy Limits
Even if your damages are substantial, the limit of your uninsured motorist coverage may affect how much you can recover. Florida lets drivers pick different UM policy limits, and whatever you choose often sets the maximum amount available through a claim.
How Strong Is Your Case?
Successful claims are supported by solid evidence. Helpful evidence may include medical records, accident reports, statements from witnesses, photos, opinions from experts, and proof of financial losses. The stronger your evidence, the better your chances of recovering maximum compensation.
Comparative Fault
Florida uses a modified comparative negligence system (Florida Statutes section 768.81). If you’re found partially to blame for the accident, your compensation will be reduced by your percentage of fault. Accurately determining liability is key to accurately valuing your UM claim.
Why You Need an Attorney
Insurance companies don’t easily offer the full value of a claim. They might question your injuries or try to downplay your damages. That’s where having an attorney can really help. A skilled attorney can make sure all eligible damages are properly documented, supported with evidence, and included in your claim.
Disclaimer: This article is for general information only. It isn’t legal advice. Every uninsured motorist claim is different, and your results will depend on your unique situation, the law, and your insurance policy.
Contact Us for Legal Help
If you’ve been hurt by an uninsured or underinsured driver, our experienced Orlando car accident attorneys at Orlando Accident Attorneys are here to review your policy and pursue the compensation you’re entitled to. Contact us today to schedule a consultation.