UNINSURED/UNDERINSURED DRIVERS AND CAR ACCIDENTS
The Insurance Institute for Highway Safety estimates that up to 33 percent of all drivers have no bodily injury coverage. If one of these drivers causes a car accident in which you or your passengers sustain a serious injury, there is no way to file a claim with their insurance for compensation. Worse still, many of these drivers have no personal assets. This further complicates the process of seeking compensation and often leaves you shouldering the full expenses related to your accident.
Uninsured Motorist Coverage
In the state of Florida, insurance companies are required by law to offer you uninsured motorist coverage at an equal amount to your bodily injury coverage. This is an elective coverage, however, and it is clearly in your best interest for you to obtain such coverage.
Uninsured motorist coverage allows you to file a claim with your own insurance company for your medical expenses if are harmed by a motorist who is uninsured. However, even with this coverage, the amount offered by insurance may be woefully inadequate to cover the actual damages caused by your injury.
Why Hire an Attorney
Insurance companies have a proven record of trying to minimize settlements offered to victims. It is possible that your uninsured motorist coverage will help pay for a portion of your medical expenses and property damage, but in many cases it will not cover all of your injuries.