Your chances of being involved in an accident with an uninsured driver
are greater than you think—especially if you live in Florida. The
Division of Insurance Fraud reports that 25% of the drivers in Florida
have either no insurance or fake insurance. So what happens when one of
those drivers injures you or someone you love? Who pays for the medical
expenses, lost wages, and damages to your vehicle? The answer—unfortunately—is YOU.
Without insurance, there is little drivers can do to collect damages. You
could file a
personal injury lawsuit against the negligent driver, but the majority of those drivers
don’t have insurance because they simply can’t afford it.
With little assets and income, your chances of recovering enough money
to pay large medical expenses and vehicle damages are slim.
That’s where uninsured motorist insurance comes in. Florida is a
no-fault state. This means that your insurance company should pay for
medical bills, vehicle repairs, and lost wages up to your policy limit.
For a few dollars more a month, you can purchase uninsured motorist insurance,
which will kick in when you are involved in an accident with an uninsured driver.
The State of Florida only requires motorists to purchase property damage
insurance and personal injury protection insurance of $10,000 each. Drivers
are not required to purchase bodily injury coverage or uninsured motorist
coverage. Yet you can well imagine that a horrific automobile accident
will quickly chew through your $10,000 minimum PIP insurance coverage.
If you purchased uninsured motorist insurance, then you will receive additional
coverage to mitigate the financial strains of being involved in an
auto accident with an uninsured driver. Each insurance policy is different, however,
so it is best to review your insurance coverage with an experienced car
accident lawyer in Fort Lauderdale if you have any questions or concerns
about your coverage.
Unfortunately, insurance companies are not always cooperative
after an accident with an uninsured driver. They may try to reduce your claim by using a
variety of tactics that are designed to reduce their liability and your
compensation. When this occurs, you need an experienced car accident lawyer
on your side to negotiate with insurance companies on your behalf and
ensure that you receive all that you are entitled to.
Contact Our Car Accident Lawyers for a Free Review
If you or someone you love has been involved in an accident with an uninsured
driver, there are ways to obtain compensation. Don’t let the insurance
companies give you the runaround. Call our Fort Lauderdale car accident
lawyers at Kelley/Uustal to
arrange a free consultation.