Uninsured Motorists in Palm Harbor, Florida
Understanding the Risks
Palm Harbor, Florida, with its scenic views of the Gulf Coast and popular spots like Honeymoon Island and Wall Springs Park, is a beautiful place to live and visit. However, like any area, it has its share of road traffic accidents. Unfortunately, some of these accidents involve uninsured motorists, putting drivers at significant financial risk.
The Uninsured Motorist Problem
Florida is known for having a high rate of uninsured drivers. In Palm Harbor, the problem is no different. Whether you’re driving along the bustling US Highway 19 or enjoying a peaceful ride near the historic downtown area, the risk of encountering an uninsured motorist is real.
Key Facts:
- Highway 19: One of the busiest roads in Palm Harbor, often sees a high number of accidents.
- Local Landmarks: Areas around the Crystal Beach Pier and John Chesnut Sr. Park are common accident spots due to tourist traffic.
Protecting Yourself
So, how can you protect yourself if you’re involved in a crash with an uninsured motorist in Palm Harbor? Here are some essential steps:
1. Purchase Uninsured Motorist Coverage
Uninsured Motorist (UM) coverage is an add-on to your car insurance policy that provides protection if you’re hit by a driver who doesn’t have insurance. In a place like Palm Harbor, where the risk is high, UM coverage is a must-have.
2. Know What to Do After an Accident
If you’re involved in an accident:
- Stay calm and check for injuries.
- Call the police to file a report, especially if the other driver is uninsured.
- Gather evidence: Take photos, get witness statements, and exchange information.
- Contact your insurance company to report the incident.
3. Hire a Competent Attorney
Navigating the aftermath of an accident involving an uninsured motorist can be complex. Hiring an experienced attorney can help you get the compensation you deserve.
Why Choose Kemp Law?
Local Expertise
Kemp Law, based right here in Palm Harbor, understands the local landscape. They know the roads, the common accident spots, and the local insurance practices. Their familiarity with the area gives them an edge in handling your case effectively.
Proven Track Record
Kemp Law has a strong track record of representing clients in uninsured motorist cases. Their experience and dedication ensure that you receive the best possible representation.
Personalized Service
At Kemp Law, you’re not just another case number. They offer personalized service, taking the time to understand your specific situation and needs. Their client-first approach ensures that you get the attention and dedication you deserve.
Convenient Location
Located in the heart of Palm Harbor, Kemp Law is easily accessible. Whether you’re coming from Ozona or near the Innisbrook Resort, their office is just a short drive away.
Conclusion
Dealing with an uninsured motorist in Palm Harbor, Florida, can be challenging, but with the right preparation and legal support, you can protect yourself and your interests. Ensure you have UM coverage, know what to do in the event of a crash, and choose the right legal representation.
For expert legal assistance, visit Kemp Law and let their experienced team guide you through the process. Don’t let an uninsured motorist crash ruin your life. Protect yourself today!
FAQs
you deserve answers
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How Do I Know Who Was At-Fault?
Fault is determined by the evidence collected during the investigation. We look to many things to determine fault in the case: we look to the police report, we look to witness statements, we look to the property damage to the vehicles, skid marks, layout of the cars, etc. Sometimes we even have to refer to accident re-constructionists to do a professional examination of the all the evidence to do a recommendation for us, but that does not happen in very many cases.
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Will I Recover Monetary Damages?
It depends on who was at fault for the accident. If you were at fault, your insurance company will pay for the damage to the vehicle. If you were not at fault, the at-fault driver’s or owner’s insurance policy will pay for the damage, and if they do not have enough coverage to cover the damage to your vehicle, your collision coverage (if purchased) would pay for the damage to your vehicle.
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What Documents Will I Need?
We like you to bring the driver’s exchange of information that the police officer gives you at the scene. We also like you bring any photographs of damage at the scene. Also bring your health insurance cards and your auto insurance cards or declarations page, so we can review the coverage available to you.
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What Should I Say To The Insurance Company?
The at-fault party’s insurance company could ask you to give them a recorded statement. You do not have to give them a recorded statement. However, if your own insurance company asks you for a recorded statement please seek advice from your attorney so that they can assist you in giving that statement. But yes you do have to comply and you do have to give your insurance company a recorded statement.
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Will I Have To Go To Court?
Actually, most cases, or a large percentage of the cases are resolved pre-suit, which means the cases never go to court. We work with the insurance companies before filing suit to try to find a fair resolution for the client, which save money on expenses, court costs and attorney’s fees.
