Uninsured/Underinsured Motorist Coverage


Being injured as a result of someone else’s negligence is difficult, but if the at-fault motorist is also underinsured or uninsured, it makes the matter that much more complicated. Obtaining the compensation to which you may be entitled can be a lengthy, arduous process, but having an experienced car accident attorney in your corner can help.

At 388CEDA, we offer comprehensive medical treatment and care that include pain management for accident victims like you, but we can also recommend a dedicated car accident attorney if you request that we do so.


Your Claim

If another driver’s negligence leaves you injured in a car accident, your accident claim will proceed through the at-fault driver’s insurance coverage, which can be difficult in and of itself. If the other driver’s coverage isn’t robust enough to cover your damages in their entirety or if he or she doesn’t have any coverage to begin with, however, it puts you in a very difficult position.

Ultimately, you’ll likely need to turn to your own insurance provider to cover those damages that exceed the other driver’s coverage limits (if he or she has coverage at all). Many insurance policies include uninsured/underinsured motorist coverage, and this is what kicks in when an at-fault motorist’s coverage falls short.


Your Insurance Company

Although you pay for your uninsured/underinsured motorist coverage, your insurance company is not likely to make obtaining the compensation to which you may be entitled an easy matter. Insurance companies are very good at maintaining high profits exactly because they are also very good at keeping their settlements as low as possible. Toward this end, they employ a variety of techniques that can include:

  • Denying claims outright in the hope that claimants will give up
  • Minimizing claimant’s damages
  • Prolonging the claims process
  • Offering lowball early settlement offers before claimants recognize the extent of their damages

The insurance company is not on your side, which makes it wise to proceed with caution.

What an Experienced Car Accident Attorney Can Offer

Accomplished car accident attorneys have extensive experience negotiating with insurance companies for beneficial claims resolutions. The insurance company recognizes that you are injured and vulnerable, and it is not above exploiting your vulnerability.

Car accident attorneys, however, have considerable experience negotiating with insurance companies like yours for just client settlements, and a trusted car accident attorney may be able to help you, too. Your attorney can compile, organize, and present the evidence in your case in an effort to defend your rights and obtain your rightful compensation.

Regaining Your Health and Well-Being

If you’ve been injured by an uninsured/underinsured driver, obtaining the medical attention you need is essential, and 388CEDA offers all of the following medical services:

  • The immense convenience of telemedicine
  • Treatment from board-certified orthopedic physicians and neurosurgeons
  • Highly effective interventional pain management techniques
  • Chiropractic care and other holistic approaches to health care
  • MRIs and computerized tomography

In addition to medical services, you may require legal guidance, and upon your request, we can also recommend an experienced car accident attorney.

Your Full Range of Damages

A serious injury can leave you facing very serious damages.

Medical Expenses

The medical costs associated with a serious injury can include all of the following:

  • Emergency treatment
  • Surgery
  • Hospitalization
  • Treatment from doctors and specialists
  • Pain management
  • Rehabilitation
  • Physical therapy
  • Prescription medications
  • Home health care
  • Adaptive physical devices

Lost Earnings

With serious injuries come lost hours on the job and subsequent lost income. If your ability to perform your job is affected, you could also experience long-term financial losses.

Pain and Suffering

The pain and suffering that comes with being injured by another motorist’s negligence is very real and can be very difficult to move beyond. Some of the long-term consequences can include:

  • Sleep disturbances
  • Difficulty getting back behind the wheel
  • Increased anxiety
  • Depressive episodes
  • Changes in personality
  • Feelings of hopelessness
  • Self-isolation
  • Emotional lability
  • Severe mood swings

One of the most difficult aspects of this pain and suffering can be that it tends to push the people who make up your support system away just when you could use their help the most.

Male Motorist Involved In Car Accident Taking Picture Of Damage For Insurance Claim

Make the Call to 388CEDA Today

If an uninsured/underinsured driver leaves you injured, 388CEDA offers comprehensive medical care, including pain management, that may help you. Further, we can recommend an experienced car accident attorney if you request that we do so. To learn more about 388CEDA and what we may be able to do for you, please don’t hesitate to call us at 1-800-388-CEDA today.

*388CEDA is not a law firm or an attorney referral service. 388CEDA does not provide legal advice, services, or legal representation to anyone including but not limited to visitors to this site or individuals/persons responding to our advertisements. In Florida, 388CEDA provides the following types of physician services: M.D., Orthopedic Surgeons, Anesthesiologists, General Practitioners, Nurse Practitioners, & D.C., Chiropractic Physicians that document and treat individuals that have suffered injuries. Results may vary and are not guaranteed. If you have any questions or need assistance, please call one of our agents at 388CEDA. We work with experienced attorneys.

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