Florida Minimum Car Insurance Coverage - Hear from Pensacola attorney Eric Stevenson on what to do if you are in a car accident and the at-fault party has no insurance or insufficient insurance. You might think that you'll end up footing the bill for all the medical bills and expenses, but he explains that this doesn't have to be the case and how important it is to have uninsured motorist coverage.
Can I do anything if I am injured in a car accident and the person at fault does not have insurance?
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You know, people get into a car wreck and the other person doesn't have enough insurance, especially in Florida where you don't really have to have bodily injury coverage at all. It is very common for the other person to have no insurance to pay for your injuries.
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The first is that your personal injury insurance (PIP) will pay for the first $10,000 of medical care.
So go to treatment. It will reimburse you for your car insurance. That's what you have auto insurance under Florida law. And the other person's insurance doesn't matter when it comes down to it. So go get the treatment you need.
The second part is that if you have health insurance, the health insurance kicks in after your car insurance is paid.
So how do you get money back for your injuries, not just for your medical bills, but also for your pain and suffering and any other inconveniences you have associated with your injuries? Well, you want to look at your insurance to see if you paid for uninsured or underinsured motorist coverage. It is worth it in those circumstances where the other person has no insurance or very little insurance.
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It will be paid to you according to the contract you have concluded with your insurance company. So check there. Contact your insurance company to see if you have it.
Now, if you're watching this video and you don't have uninsured motorist coverage, get it. You want to make sure you have it because there are a lot of people on the road right now driving with no or very little insurance. You have to take care of yourself. Correct? You have to look for number one. That's why it's called number one, right?
So make sure you have the insurance you need to protect yourself rather than relying on others to be responsible. Because as we all know there are a lot of irresponsible people out there.
Then again, if you have any questions about car accidents, insurance, you can always call us.
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I hope I was able to answer your question. My name is Eric Stevenson. I am with Stevenson Klotz Personal Injury Attorneys. My number is (850)444-0000. And remember, we are putting our lives back together.
According to the 2021 Insurance Research Council (IRC) Uninsured Motorist Report, one in eight American drivers on the road in 2019 had no insurance. The rate of uninsured cars in the country was 12.6%. But it was even worse in Florida.
In Florida, a staggering 20.4% of motorists on the road were uninsured in 2019. This makes Florida one of the 6 worst states with over 20% of drivers on the road without any auto insurance coverage. Other states included in these alarming uninsured driver statistics include Mississippi at 29.4%, Michigan at 25.5%, Tennessee at 23.7%, New Mexico at 21.8% and Washington at 21.7%.
Why UM or UIM coverage is important to protect yourself against an uninsured or underinsured driver in Florida
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Uninsured or underinsured motorist coverage is important to Florida drivers for two main reasons. First, it can provide you with the compensation you need to recover from an accident caused by someone who is underinsured or underinsured. Second, uninsured motorist coverage protects you in the event that you are injured and the other driver does not have enough coverage to cover medical expenses, lost wages, and other expenses.
UM/UIM coverage can help you pay for things like medical expenses and property damage caused by an uninsured or underinsured driver. It can also provide compensation for pain and suffering and emotional distress as a result of an accident.
To find out if you have uninsured motorist coverage or underinsured motorist coverage, contact your insurance company and review your current policy. If you don't have UM coverage, you can add it to your insurance. Adding uninsured or underinsured motorist coverage is recommended for all Florida drivers because the risk of encountering an uninsured driver on the road is high.
Unlike most states, Florida law does not require drivers to carry third party liability insurance on their vehicles to cover the cost of medical treatment for any bodily injury sustained in a traffic accident. Instead, Florida requires drivers to carry a minimum level of personal injury and property damage auto insurance coverage.
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This includes $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). PIP covers 80% of all reasonable medical expenses up to $10,000 due to a covered injury, regardless of who was at fault. PDL covers repairs to the other driver's vehicle and property damage you caused in the accident.
According to the National Highway Traffic Safety Administration (NHTSA), the average cost of car accident injuries exceeds $15,000 when lost work and long-term recovery costs are factored in.
So the minimum amount of PIP coverage may not be enough to cover all medical expenses and bills after a car accident. Additionally, if you are in an accident with an uninsured driver and/or you do not have UM/UIM coverage, you may be able to pay damages. This can be financially devastating for you and your family. In order to fully protect yourself against uninsured or underinsured drivers on the road, it is important to have higher liability coverage limits as well as uninsured and underinsured motorist coverage. This can protect you from uninsured motorist property damage as well as damages such as lost wages, your own or future medical expenses, hospital bills, and more.
Liability (BI) coverage is not required under Florida law. In contrast, almost every other state in the country requires all drivers to pay for bodily injury coverage to be included in their auto insurance policies. This is so that when an accident occurs due to the negligence or fault of the insured, the injured party can file a claim for personal injury coverage to help pay for medical bills and medical expenses.
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If you are injured in an accident with an uninsured or underinsured motorist, be sure to see a doctor, document the accident, report the accident to the police, report the accident to your insurance company, and seek the help of a car accident attorney. An experienced lawyer can help you navigate the legal system and negotiate with insurance companies for the compensation you deserve.
If you have been injured in an accident, it is important to seek medical attention as soon as possible. Even if you don't think you have a serious injury, it's still important to seek out a doctor who can diagnose and treat any injuries you may not be aware of.
You should document the scene of the accident with photos, videos and witness statements. This will help strengthen your case if you decide to make a claim against or file a lawsuit against the other driver's insurance company.
If you are involved in a traffic accident, it is important to call the police and report the accident. You should also report the accident to your insurance company as soon as possible so that they can start arranging coverage or filing a claim.
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The process of filing an uninsured or underinsured motorist claim can be confusing and frustrating. An experienced car accident attorney can help you navigate the legal system and protect your rights. They can also help you maximize your compensation so that you are able to cover any loss or damage that occurs as a result of the accident.
If you have been seriously injured in an accident with an uninsured or underinsured motorist and do not know what to do, seek the help of a personal injury lawyer. An experienced attorney at Stevenson Klotz Injury Lawyers can review your case and inform you of your rights and legal options. We are here to help you and your family through this difficult time.
With over 54 years of combined experience, we offer exceptional, personal customer service. We will fight to get you the maximum compensation allowed by law. Contact us today for a free consultation.
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