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At Morgan Law Group, our personal injury attorneys represent clients in Florida, Louisiana, and Mississippi. Each state has a specific set of minimum vehicle insurance requirements, and laws that state how injury victims can pursue additional expenses that result from the liable policyholder’s negligence.

Here is what you need to know about expenses that go beyond the at-fault driver’s insurance coverage limits, and how our personal injury lawyers can help you pursue the best outcome for your unique case.

How Can I Recover Damages that Exceed a Negligent Driver’s Insurance Coverage Limits in Florida?

Florida vehicle owners must carry a minimum of continuous insurance coverage, even if the vehicle is not being driven or is inoperable.

That includes $10,000 in Personal Injury Protection (PIP), which pays for injuries sustained in an accident regardless of who was at fault in the crash, and $10,000 in Property Damage Liability, which pays for the damage to other people’s property, up to the policy limits.

$10,000 is not going to go very far during a personal injury claim, especially if you have sustained serious injuries during a crash. In these cases, our Florida personal injury attorneys will review your insurance coverage and pursue your uninsured/underinsured motorist coverage for the additional amount of damages you incurred.

In some cases, the state may require a driver to carry Bodily Injury Liability coverage if he or she has previously been in an accident or committed certain traffic violations. This additional coverage pays for the injured party’s medical bills and/or lost income over the minimum requirement of $10,000, which is commonly issued at a maximum of $100,000 per person, and up to $300,000 per accident.

We will review all potential recovery options, so you can pursue the best outcome for your Florida personal injury claim.

How Can I Recover Damages that Exceed a Negligent Driver’s Insurance Coverage Limits in Louisiana?

In Louisiana, the minimum vehicle insurance requirement for bodily injury is only $15,000 per person/$30,000 per accident, and $25,000 for property damage. Like Florida’s limits, it will not take long for a serious injury claim to exhaust the liable party’s insurance coverage limits.

Just as a Florida injury victim might, Louisiana car accident injury victims may pursue their uninsured/underinsured coverage for the difference in their financial recovery needs. We will explore your insurance coverage, and pursue your claim directly with your insurance provider, so you have access to the financial settlement you need to get your life back on track.

How Can I Recover Damages that Exceed a Negligent Driver’s Insurance Coverage Limits in Mississippi?

In Mississippi, the minimum vehicle insurance requirement is $25,000 per person/$50,000 per accident for bodily injury, and $25,000 per accident for property damage.

Like Florida and Louisiana, our personal injury attorneys would look toward your uninsured/underinsured coverage to pay for your damages if the at-fault driver in your accident their policy’s coverage limits do not cover all your damages.

What Happens If I Do Not Have Uninsured/Underinsured Motorist Coverage?

Although it is an intelligent way to protect yourself if you are ever injured in a collision with a hit-and-run, uninsured, or underinsured driver, Florida, Louisiana, or Mississippi do not require drivers to carry uninsured/underinsured motorist coverage.

In cases where this coverage is not available, and there is no other umbrella policy to pursue, you will have to pursue the individual’s personal finances/property for financial recovery by filing a legal claim against him or her directly. We can help you explore each of your financial recovery options, starting with a free consultation.

Contact our skilled Louisiana, Mississippi, or Florida car accident attorneys at Morgan Law Group to schedule a free consultation today by calling 888-904-2524 to learn how we can help you pursue the negligent party that caused your injuries, so you can make informed decisions about your case and get your life back on track.