Proudly Serving Volusia
& Flager Counties

Since 1985

The Other Driver Doesn’t Have Insurance. Am I Just Out Of Luck?

The Other Driver Doesn’t Have Insurance. Am I Just Out Of Luck?

Buy Uninsured/Underinsured Motorist Coverage !!

insuranceThere has been a recent disturbing trend of more and more drivers not carrying any insurance to pay for the damage they cause on our Florida roads.   

At Zimmet & Zimmet we represent people injured in car accidents in Volusia and Flagler Counties. Today we received a statutorily required insurance disclosure from Dairyland Insurance company on one of our cases.

The negligent driver bought no bodily injury liability insurance coverage. In other words, there is no insurance to pay for the damages he caused.  We are seeing this more and more often in our practice. 

Even more disturbing, it is perfectly legal for Florida drivers to purchase automobile insurance without the bodily injury coverage that pays for the damage they cause.   

Until the Florida Legislature decides to change the law to make bodily injury coverage mandatory, the only way to protect yourself and your family is to purchase uninsured/underinsured motorist coverage.   

You may be surprised to find out how inexpensive it is to buy this coverage. Sometimes it only adds a few dollars to your premium.   

If you buy this coverage, your own insurance company stands in the shoes of the negligent driver’s missing insurance. Your insurance pays for the damages you suffer up to the limits you purchase.   

Without uninsured motorist coverage, you are rolling the dice with your family’s financial future.   Don’t be part of this new disturbing trend.   

We don’t sell insurance, but we highly recommend that you call your insurance agent today and add uninsured motorist coverage to your policy.


Zimmet & Zimmet, Car Accident Lawyers

Personal Attention & the Time to Get It Right



Insurance AdjusterTo become a claims adjuster in Florida, one must only be a legal adult resident, apply, submit the fees, be fingerprinted, and complete a course or the Florida Adjuster Examination. The course, it should be noted, includes only 40 hours of class time and self-study – and is not even required if you can pass the examination.

Once someone is licensed as a claims adjuster, they generally find employment at an insurance agency, where their paycheck is dependent upon the company’s prosperity. It’s not hard to guess that the more money the insurance company pays out, the less prosperous they are.

So what does that mean for you when you’re injured in an accident?

After your accident, your insurance company will usually assign a claims adjuster to your case. This adjuster may be very professional and may even be genuinely compassionate about your injuries and damages. Your adjuster will not, however, be able to put your interests ahead of the interests of his employer, even if he completely understands the economic impact of your accident. Your adjuster will not offer you more than the bare minimum for your claim – and he may even attempt to settle the case quickly, before you know the full extent of your injuries.

From the beginning of your case, therefore, it is important to keep the following tips in mind:

  1. Accuracy is better than courtesy. If you minimize your pain to be polite, that simple “I’m doing well today” could be used against you in a future court action when you try to explain your lingering daily pain. You don’t want to have to try to explain that when you said “well,” what you really meant was “heavily medicated” or “better than yesterday, when I couldn’t even get out of bed.” Never sugarcoat your damages and injuries.
  2. Don’t express optimism. If you express careful optimism, you may find that your statement “Oh, I’m sure I’ll be back to work in a week or so” could come back to haunt you if you find that your injuries were more severe than you hoped. Instead, say something to the effect of “I’m not sure when I’ll be back to work. I’ll talk to my doctor next week.” If the insurance adjuster asks you to estimate your recovery period, resist: Even your doctor may be unable to really know how long it will take.
  3. Hire legal counsel as early as possible. One of the greatest benefits to having an attorney in a personal injury case is that your attorney can deal with your claims adjuster for you – and can tell you if the offer will actually cover your likely damages.

At Zimmet & Zimmet, we have years of experience in working with insurance claims adjusters on behalf of our clients. If you’ve been injured in an accident in the Daytona Beach area, contact us today for a free consultation.

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