What Happens In Florida If The At-Fault Driver In A Car Accident Is Uninsured
Car AccidentsIn this article, you will learn:
- What Uninsured Motorist coverage is and how it works.
- What you should do if you realize the other driver is uninsured.
- Common challenges you might face when trying to recover damages from a UM driver.
What Is Uninsured Motorist (UM) Coverage, And How Does It Work?
As car insurance becomes more expensive, there are more uninsured drivers on Florida’s roads. This is why you need UM coverage on your automobile policy.
You cannot trust other drivers to carry insurance. And when other drivers do have insurance, you cannot trust that they have purchased enough. The only way to adequately protect yourself is to insure yourself with UM coverage.
UM coverage in Florida includes coverage for both uninsured and underinsured motorists. The coverage pays for your bodily injury claims when the other person either does not have coverage for bodily injury liability or does not have enough of this coverage to pay for your damages.
Does Florida Law Require Uninsured Motorist Coverage?
UM coverage is optional and not required in Florida. However, UM insurance coverage is highly recommended, and everyone should take advantage of it. It is also worth noting that as of 2024, Florida does not require the owners of passenger vehicles to carry bodily injury liability coverage, which emphasizes the need to have UM coverage for yourself.
What Should I Do Immediately After Realizing The Other Driver Is Uninsured?
One of the first things you do when you’re involved in an accident is to exchange insurance information. It is at this moment that you may realize that the other driver is not insured.
If this is the case, you should check your insurance policy to see whether you have coverage for collision and uninsured motorist coverage. If you are unsure, you should contact a personal injury attorney for help determining what coverages you actually have on your automobile policy.
What Role Does A Personal Injury Attorney Play In Uninsured Motorist Cases?
In an uninsured motorist case, a personal injury attorney will have several functions, such as:
- Determining whether the uninsured driver has assets that are collectible
- Make claims with your um carrier
- Sue the uninsured driver or your um carrier as needed
- Help you make the right decisions under the unique circumstances of your particular case
What Unique Challenges Do Victims Face When Trying To Recover Damages In These Types Of Cases?
Getting compensated for damages has become more complicated in recent times. Insurance companies are complaining that there are too many claims for them to pay, not to mention that getting compensation from insurance companies has always been a challenge. The current laws and policies in Florida favor insurance companies under the promise of lower premiums in the future, making astute legal help especially crucial.
Still Have Questions? Ready To Get Started?
For more information on What Happens In Florida If The At-Fault Driver In A Car Accident Is Uninsured, a free initial consultation is your next best step. Get the information and legal answers you are seeking by calling (863) 243-6166 today.