In 2015, there were 4.4 million people injured in auto accidents that resulted in victims seeking medical attention. While any auto accident is a terrible event, the one thing that can make things even worse is if the driver that hits you is uninsured or leaves the scene of the accident. Uninsured motorist coverage exists for these very reasons. With the cost of insurance continuing to rise, there may be more and more people driving on the road without appropriate coverage. This situation puts others at financial risk in the event of accidents. Irresponsible drivers are the reason that insurance companies offer uninsured or underinsured motorist coverage which when compared to liability, comprehensive and collision, it is quite affordable.
In the event of an auto accident that is not your fault, most often you will file a claim with the at-fault driver’s insurance company. Your car gets repaired, and you are compensated for any lost wages or medical expenses. This is the perfect world situation in which every driver on the road is covered with liability insurance. However, in reality, it is estimated that roughly 1 in 8 drivers on the road are uninsured. This can cause serious problems because significant repairs needed for your car or medical costs must be paid for by you if you do not have uninsured or underinsured motorist coverage.
Uninsured coverage protects you when the at-fault driver does not carry liability insurance to cover your damages or expenses. Underinsured coverage begins when the at-fault driver’s liability insurance only covers up to a certain limit set by the policy and does not cover all the necessary damage or medical expenses.
There are two types of uninsured and underinsured motorist coverage: bodily injury and property damage.
Uninsured motorist bodily damage coverage:
This coverage is used for medical expenses, lost wages and injury-related expenses for you, any permissive drivers and your passengers. Also, one of the most important aspects is that it provides coverage for injuries sustained in hit-and-run accidents.
Uninsured motorist property damage coverage:
This coverage works when your car has been damaged in an accident, and the at-fault driver is uninsured or underinsured to be able to cover the damages. However, this coverage does not protect you against vehicle damage in hit-and-run accidents.
In Florida, it is not required of most vehicle drivers to carry bodily injury liability coverage on their insurance plan, so it is usually suggested to opt for uninsured motorist coverage in Florida. The personal injury protection coverage in Florida pays up to $10,000 in medical bills and lost wages. However, $10,000 is typically not enough to cover a trip to the emergency room, let alone subsequent doctors visits, surgery, rehab/therapy and lost wages. Since Florida does not require drivers to carry bodily injury liability insurance, it is a great idea to add uninsured motorist coverage to your policy.
If you find yourself in an auto accident and suffering from personal injury, it is especially important that once you are taken care of that you know your rights and the compensation you deserve. Working with an experienced personal injury attorney can make all the difference in the world when it comes to dealing with insurance companies and making sure that you get everything covered that can be. Hospital bills and car repairs are very expensive, so if you need an experienced personal injury attorney, contact the legal team at Blaut Weiss Law Group of Plantation, FL. Visit http://www.blautweiss.com/vehicle-crash-attorneys.php for more information or call 954.634.f1800 for a free consultation today.