You pay your insurance premiums every month so that if you or another driver is seriously injured, you are covered. So nothing seems more unfair than being injured or having vehicular damage at the hands of an uninsured motorist. Unfortunately with today’s economic climate, your chances of being hit by an uninsured driver in Florida are 23 percent, according to the Insurance Research Council, and likely to increase to 28 percent by 2010.
Because the state of Florida does not require drivers to carry bodily injury insurance, the chances of you having an accident with someone who is not fully protected or prepared to fully protect others is increased. If you’ve had an accident with an uninsured driver in the Orlando area, the best way to protect your rights is to contact a car accident lawyer.
Uninsured Motorist (UM) Insurance
The state of Florida is a no-fault state and requires its drivers to carry Personal Injury protection (PIP) and property damage insurance. However, the amounts required by law are low. So, even though you think you are fully covered by the minimum legal insurance requirements, you may be surprised when coverage is insufficient to cover your injuries. To prevent such an occurrence, Florida drivers should have the following coverage to be fully protected in the event of an accident:
- Bodily injury liability
- Uninsured and/or underinsured motorist insurance
Auto Insurance Required by Florida Law
As a no-fault state, if you are injured in a car crash in Florida, your insurance will pay the following, up to your insurance limits, whether you were the responsible party or not:
- Medical bills
- Prescription reimbursements
- Lost wages
Auto Insurance Not Required by Florida Law
Bodily injury liability is not required by Florida law, so if a driver causes an accident and can not afford to pay for the damages, then the driver must purchase bodily injury liability for the future and show proof of that insurance.
To learn more about Florida law or how to choose an attorney after a car accident in the Orlando area, please visit the website of Florida personal injury attorneys Colling Gilbert Wright & Carter.