There are millions of drivers on Florida streets. An accident can occur at any time and it is not always possible to avoid a traffic collision. Unfortunately, Florida has one of the highest rates of uninsured drivers and the state only requires a minimum amount of coverage. So, there’s a chance that the driver colliding into your vehicle is an uninsured motorist or they may not have enough coverage to pay for your medical bills and to make repairs to your vehicle.
Unfortunately, the minimum insurance requirements for drivers in the State of Florida are barely enough to cover any accident. This on top of the fact that 20% of Florida drivers have no insurance at all, makes Florida one of the riskiest places to operate a vehicle. This is where Uninsured Motorist Insurance is useful. Uninsured motorist coverage provides you peace of mind guaranteeing a safety net for you and your family.
This insurance pays for a policyholder’s injury and lost wage expenses if an uninsured or underinsured driver causes an accident. It provides coverage for your medical expenses, nursing, rehabilitation, wages and more. This insurance may also protect relatives residing with you, and people who occupy your vehicles.
(You may also see the term Underinsured Motorist Insurance. This applies when a driver has insurance, but not enough to cover the policyholder’s claims.)
Take these simple steps if your vehicle is ever hit by an uninsured driver
Car accidents, truck accidents and even motorcycle accidents can be difficult to deal with, both physically and mentally. It gets worse if the insurance company gives you a difficult time. The carrier may allege you overlooked necessary details while filing your claim. This is the reason you may want to consult with your personal injury attorney as soon as possible after an auto accident.
A personal injury lawyer can file a personal injury claim for you, working to get you back on your feet without the stress of dealing with the insurance companies.
Schedule a free consultation with the Law Office of Teresa P. Williams at (727) 796-2706 today or contact us on our website here. Depending on your case, you can learn if your medical bills, lost wages and damages to your vehicle may be taken care of through your uninsured motorist policy. Accidents in Florida may be common but you don’t have to handle your claim alone, call us today to protect your rights.