As a responsible driver in Florida, you carry appropriate auto insurance and expect fellow Florida drivers to do the same. Unfortunately, that’s not always the case. Despite state laws, many drivers fail to carry auto insurance and still get behind the wheel, putting others at risk.
Being hit by an uninsured driver in Florida can result in more than just vehicle repairs. Because Florida is a no-fault insurance state, your own personal injury protection (PIP) will cover your medical expenses up to your policy’s limit, regardless of who caused the accident. While this can help with medical bills and lost wages, it may not be enough if your injuries are severe.
Understanding Bodily Injury Liability Coverage in Florida
Florida does not require drivers to carry bodily injury liability coverage. This means that if the at-fault driver has no insurance, you may struggle to recover additional compensation for medical costs, pain, or suffering. This is where uninsured motorist coverage becomes essential.
If you don’t have uninsured motorist coverage and your expenses exceed your PIP benefits, you may have to pay out of pocket or attempt to sue the at-fault driver directly. Unfortunately, many uninsured drivers lack sufficient financial resources, so even a lawsuit might not result in the compensation you deserve.
Steps to Take After an Accident
After an accident involving an uninsured driver, it’s crucial to report the crash to the police and notify your insurance company. Morgan Insurance Services, serving Tampa, FL, can guide you through filing a PIP claim and, if applicable, an uninsured motorist claim. If you have questions about your policy or would like to add uninsured motorist coverage, please reach out to Morgan Insurance Services, serving Tampa, FL, today.
