In reality, a $10,000 policy is probably barely enough to cover an initial ER visit, let alone all the other medical care and damages that an injury victim may endure.
The Florida Department of Motor Vehicles also estimates that 1 out of 7 people operating their vehicles in Florida are uninsured. This means that there is no coverage at all to protect the parties if an accident occurs. Although operating a vehicle without insurance is illegal, it still happens. That is why you are always encouraged to take advantage of uninsured motorist coverage in Florida.
What Is Uninsured Motorist Coverage In Florida?
Uninsured motorist coverage is an additional insurance policy that you can purchase to give yourself added protection while driving. If an uninsured motorist strikes you, Florida residents face large medical bills and other financial losses. When you have this added protection, you will be able to have more of your losses covered.
What Does Uninsured Motorist Cover In Florida?
When it comes to uninsured motorist coverage Florida residents will benefit in several ways. First, this will give them the added insurance protection they need if they are in an accident with underinsured or uninsured people.
Additionally, Florida uninsured motorist coverage also protects passengers in your vehicle and protects you and your family if you are involved in an accident in someone else’s vehicle.
Not many people realize that their personal car insurance often covers most of their medical costs and losses in an accident, even if someone else was at fault or if the accident occurs in a vehicle not owned by the injured party.
Uninsured motorist Florida policies also cover you if you were hit as a pedestrian or in a hit-and-run accident. This policy will also cover your family members under these same situations.
Is Uninsured Motorist Coverage Required In Florida?
No. Florida does not require that you have uninsured motorist coverage. However, to operate a vehicle in Florida, you need to carry a minimum policy, often referred to as PIP or Personal Injury Protection policy.
If you have a vehicle that is being financed, the finance company may require you to carry full coverage on your vehicle. However, full coverage is generally only the addition of comprehensive and collision coverage to your policy. Full coverage does not automatically provide you with uninsured or underinsured motorist coverage.
Do I Need Uninsured Motorist Coverage In Florida?
It is always beneficial to carry Florida uninsured motorist or underinsured policies. These policies will give you additional protection if you are involved in an accident with someone that has minimal coverage. You will also be protected under different accident circumstances as well.
You will most likely have to require this type of insurance from your provider. Many of the larger insurance companies do not openly promote this type of coverage because of its benefits. A few of the largest insurance companies will not even sell uninsured or underinsured riders for their policies.
You will have to pay extra for carrying this type of insurance policy, but it will be worth the expense. The last thing that you want to face is huge medical bills or other financial losses.
Speak With An Uninsured Motorist Attorney
If you have been involved in an accident where the responsible party was uninsured or underinsured, it will be crucial to speak with an attorney. Your attorney will be able to manage your case so that you can get the best possible outcome for your losses.
When an attorney manages your claim, they can work with all the insurance companies involved to produce the best possible claim for compensation. Your attorney understands the laws and the terms of these insurance policies to help you get the most for your claim. If you have been injured by a vehicle, either in another vehicle or as a pedestrian, speak with an uninsured motorist attorney today.
Additional Reading:
Florida Personal Injury Lawyer
Personal Injury Blog Posts
Navigating Safety: The Rise of E-Bike Accidents in Florida
Steering Through the Risks: Your Comprehensive Guide to E-Bike Safety and Legal Rights in The Sunshine State As Florida's streets and trails become increasingly populated with electric bicycles, the allure of this modern mode of transportation grows stronger. E-bikes,...
Riding into Risk: A Guide to Scooter Accident Injury Claims in Florida
In Florida, where the sun shines bright and the streets are bustling with energy, scooters have emerged as a popular mode of transportation. They offer a sense of freedom, a dash of fun, and a green alternative to the congested commutes. Yet, amidst this two-wheeled...
Suboxone and Your Teeth: What You Need to Know
Protecting Your Smile While on the Road to Recovery: Understanding Suboxone's Dental Side Effects Suboxone is a medicine used by many people to help fight opioid addiction. It's made of two main ingredients, buprenorphine and naloxone, and works by easing withdrawal...
Florida bus accidents: What you need to know
Common Causes, Injuries, And Navigating the Aftermath of Florida Bus Accidents Bus accidents can be life-altering events, leaving victims grappling with physical injuries, emotional trauma, and the daunting task of navigating the legal aftermath. At Landau Law, we...
Brake check accidents: If someone brake checks you who is at fault?
Determining Liability and Seeking Justice After a Brake Check Accident Brake check accidents, characterized by a sudden and intentional slamming of brakes by one driver in front of another, not only create hazardous road conditions but also pose significant legal...
Who is at Fault in a Left Turn Accident?
Left Turn Accidents: From Causes to Consequences Navigating the aftermath of a left turn accident can be a labyrinth of complexities, and understanding the nuances of fault is pivotal, particularly in the context of personal injury claims. This blog post aims to...
Who is at Fault in a Sideswipe Accident?
Unraveling Liability in Sideswipe Accidents on Florida's Roads with Landau Law Sideswipe accidents can happen unexpectedly on Florida's busy roads, leaving drivers wondering who is at fault. In this blog post, we'll delve into the intricacies of determining liability...
The Rise Of Electric Scooters, and Scooter Accidents, In Florida
Electric scooters have become a common sight on many streets in Florida, with their popularity soaring in recent years. While these eco-friendly and convenient vehicles offer an alternative mode of transportation, they have also brought about a concerning surge in...