Uninsured Motorists in Pensacola, Florida
The Reality of Uninsured Motorists in Pensacola
Driving in Pensacola offers a picturesque experience with its stunning coastal views, vibrant downtown, and historic landmarks like the Pensacola Lighthouse and Fort Barrancas. However, the charm of this beautiful city doesn’t negate the risks posed by uninsured motorists. Accidents involving uninsured drivers can lead to severe financial strain and legal complexities.
Understanding the Risks
Pensacola, with popular spots like Palafox Street and Pensacola Beach, sees its fair share of traffic accidents. Unfortunately, many drivers in Florida operate vehicles without insurance. According to the Insurance Research Council, Florida has one of the highest rates of uninsured motorists in the country. This means if you are involved in a crash, there’s a significant chance the at-fault driver may not have insurance to cover your damages.
Protect Yourself with Uninsured Motorist Coverage
One effective way to protect yourself is by carrying uninsured motorist (UM) coverage. UM coverage helps pay for your medical bills, lost wages, and other damages if you’re hit by a driver without insurance. This coverage is especially crucial in places like Pensacola, where the likelihood of encountering uninsured drivers is higher.
Steps to Take After an Accident with an Uninsured Motorist
- Stay Calm and Safe: Ensure you and your passengers are safe. Move to a safe location if possible, away from traffic.
- Call the Police: Report the accident immediately. A police report will be essential for any insurance claims and legal actions.
- Gather Information: Collect details about the other driver, their vehicle, and any witnesses. Take photos of the scene, including landmarks like the Pensacola Bay Bridge if nearby.
- Seek Medical Attention: Even if you feel fine, some injuries may not be immediately apparent. Visit a healthcare provider promptly.
- Notify Your Insurance Company: Inform your insurer about the accident and provide all necessary documentation.
Why Choose Kemp Law to Represent You
Expertise and Local Knowledge
Kemp Law specializes in handling cases involving uninsured motorists in Pensacola. With extensive knowledge of local traffic patterns and accident hotspots, including areas around Seville Square and the Blue Wahoos Stadium, our team is well-equipped to navigate your case.
Personalized Attention
At Kemp Law, we understand that each case is unique. We provide personalized legal services, ensuring that you receive the attention and care you deserve throughout the legal process.
Proven Track Record
Our firm has a proven track record of successfully representing clients in uninsured motorist cases. We work diligently to secure the compensation you need for medical expenses, lost wages, and other damages.
No Fees Unless We Win
We operate on a contingency fee basis, which means you don’t pay unless we win your case. This policy ensures that everyone has access to top-notch legal representation without the worry of upfront costs.
Local Commitment
Kemp Law is committed to the Pensacola community. Our deep roots in the area allow us to serve our clients with a level of dedication and understanding that national firms simply can’t match.
Contact Kemp Law Today
Don’t let an accident with an uninsured motorist disrupt your life. Contact Kemp Law today for a free consultation. Let us help you navigate the complexities of your case and secure the compensation you deserve.
Visit our website for more information and to schedule your consultation.
By understanding the risks and taking proactive steps, you can protect yourself against the financial and legal challenges posed by uninsured motorists in Pensacola. And when you need expert legal assistance, Kemp Law is here to help you every step of the way.
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.
