Uninsured Motorists Claims
Hit by an Uninsured Driver in Florida?
In Florida, drivers are required to carry auto insurance. The mandatory minimum is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL).
Because Florida uses a no-fault system for auto insurance, PIP covers the driver and any passengers in his or her vehicle in the event of an accident, regardless of who was at fault in causing the collision. Drivers are not required to carry insurance that covers bodily injury to another person.
In the event that a car accident victim is seriously injured, however, he or she may have grounds to sue the at-fault driver for additional damages, beyond what his or her own policy will cover.
Do I Need Uninsured Motorist Insurance in Florida?
Although Florida law requires vehicle owners to carry PIP/PDL insurance, you are not required to hold uninsured motorist coverage. However, it is estimated that up to 20% of drivers drive without insurance coverage, which gives ample reason to consider including uninsured driver coverage in your insurance plan.
If you've been involved in a car accident with an uninsured or underinsured driver, it is important to consider involving a Florida insurance attorney who can handle your case. I, Joshua Diamond, represent claimants, beneficiaries and policyholders in all types of insurance disputes and other matters related to their claims. I am committed to ensuring that insurance companies uphold their obligation to pay out claims in a fair and timely fashion.
Uninsured/Underinsured Motorist Coverage
In the event that you are injured in a hit and run accident or a collision with an uninsured motorist, your medical care, lost earnings and other losses or expenses should be covered.
What Does Uninsured Motorist Coverage Cover in Florida?
Uninsured Motorist Coverage helps to protect you in the event that you are hit by an uninsured motorist. This type of insurance does not cover damage to your car, but it does cover damage to you or other family members who may drive your car.
This type of insurance can help pay for any of the following:
- Medical bills
- Long-term care as a result of injuries
- Lost wages and disability
- Pain and suffering
- Loss of quality of life
- Medical devices (including wheelchairs and other recovery materials)
- Replacement services if you are no longer able to render basic services such as yard work, cleaning, etc.
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