Our lawyers see many people who suffer debilitating injuries in collisions caused by uninsured or under-insured motorists. While the physical pain and emotional trauma of recovery take a toll on crash victims, the emotional hardships increase exponentially when the other driver is not adequately insured. Medical bills can mount, and the loss of household income take its toll. Drivers might be inclined to dismiss the possibility of being hit by an uninsured driver as unlikely. Florida consistently ranks in the top ten for the highest number of uninsured drivers in the U.S. Almost one in five Florida drivers carries no insurance while many others carry only minimal coverage according to the Insurance Information Institute (III), which makes uninsured motorist (UM) coverage an extremely important form of financial protection.
Our car accident attorneys take notice of significant uninsured motorist decisions because they can have a significant impact on many accident victims. The Seventh Circuit of the U.S. Court of Appeals recently affirmed a lower court opinion that denied UM coverage to a driver and two injured passengers. The plaintiffs in Trotter v. Harleysville Insurance Company suffered serious injuries when the car they were traveling in was hit in an intersection by a motorist who blew through a stop sign. Continue reading →