Even though you purchased the required auto insurance coverage in Florida, there are many drivers on the road who fail to do so. The chances that you will be in an accident with an uninsured driver are surprisingly high, and you should always have the insurance coverage to protect yourself in this situation. Florida does not require people to purchase uninsured motorist coverage, though this is always a good policy to have. If someone without insurance hit you and you need to make a claim, you should first speak with a skilled lawyer at Quattrochi and Torres who understands how auto insurance in Florida works.
Uninsured Motorist (UM) Coverage in Florida
Florida requires drivers to carry personal injury protection (PIP) insurance policies, which will provide coverage no matter who was at fault in an accident. You may think that since you have PIP coverage, you don’t need a UM policy. However, PIP insurance only covers a limited amount of losses after an accident, such as your medical bills and part of your lost income up to either $2,500 or $10,000, depending on the nature of your injuries. Because of the high cost of medical services, your medical bills can easily exceed $10,000, not to mention your lost income and compensation for other accident-related losses.
If your losses exceed your PIP coverage, you will need to turn to your UM coverage for the additional compensation. Your insurer may try to limit your payments, however, so you should have the right legal representation handling the insurance process for you.