Unfortunately, not everyone on the road carries liability insurance that will pay for your injuries if you are in an automobile collision and the other party is determined to be at fault. In fact, Florida law only requires the other party to carry $10,000 in personal injury protection benefits, which will only pay for the at-fault driver's medical expenses. If the at-fault driver doesn't have "bodily injury" liability coverage, you may have very little ability to go after the at-fault party for your personal injury damages. What do you do? You need to figure out if you have uninsured or underinsured (UIM) motorist benefits included in your own automobile policy. Florida law requires every insurance policy that has bodily injury coverage to include an equal amount of uninsured or underinsured motorist benefits unless the insured specifically chooses to waive that coverage or chooses to select an amount of coverage below their liability limits. In fact, the insurance company has to have you sign a very specific form selecting or rejecting underinsured or uninsured motorist (UIM) benefits. If they fail to have you sign that form, use an outdated form, or fail to have you sign the form when you increase your bodily injury limits, you may have underinsured or uninsured motorist benefits that you didn't actually purchase. As you can imagine, the insurance company doesn't easily admit when they make these mistakes. Call McBreen & Nowak, P.A. and let our experienced attorneys hold the insurance company to task and find all of the insurance coverage available to compensate you for your injuries.