Many of the people that drive on Florida’s roadways do so without any liability insurance. And many who have insurance carry the absolute minimum required by law. What does this mean for you? It means that, in the event you or a family member is injured in a car accident, there is a significant chance that the cost of your injuries will be higher than the amount of available insurance from the at-fault driver. I see this happen regularly. Someone comes to me after being involved in a car accident. They are injured. They have medical expenses, lost wages, and pain and suffering. However, the driver that hit them either has no insurance or minimal insurance. In many instances, the medical bills, alone, are higher than the available insurance from the at-fault driver. And in the majority of these cases, the people that suffered injury do not have uninsured motorist coverage on their own insurance policies. As a result, they are left with bills, lost time at work, and inadequate compensation.
What can you do to prevent this from happening to you? The answer is simple. Call your insurance agent and tell them that you want uninsured motorist coverage that matches your liability coverage. Uninsured motorist coverage is insurance that you purchase yourself that will help compensate you if you are involved in an accident with someone that is uninsured or underinsured. In essence, your insurance company “stands in the shoes” of the at-fault driver. Your insurance company becomes responsible for all damages that would otherwise have been the responsibility of the at-fault driver. This coverage is not very expensive but it will make the world of difference if you are involved in an accident with one of Florida’s many uninsured drivers.