In Florida, every driver is required to carry what is called personal injury protection, or PIP. This is in place to cover an insured driver for up to $10,000 in injury-related costs stemming from a car accident in Florida. While this amount might seem high, costs can add up quickly. In some cases, $10,000 is not nearly enough, and people find they must pay many thousands of dollars out of their own pocket just to cover their medical expenses. In a situation such as this, uninsured (or underinsured) motorist coverage could prove to be very helpful.
Here are a few reasons you should include this type of coverage on your insurance policy.
- To cover overages in medical bills.Oftentimes, the expense of treating a severe injury is higher than the $10,000 in PIP that Florida drivers are legally required to carry. In certain instances, uninsured motorist coverage will kick in and provide additional benefits to help pay for the cost of treating your injuries.
- To alleviate emotional stress. Being in any accident can be emotionally traumatizing, but if the accident involves a driver who is not adequately insured, the resulting stress can be far worse. Having uninsured/underinsured motorist coverage can go a long way toward easing your anxieties.
- To protect yourself in a hit-and-run accident. If the other driver leaves the scene and cannot be found, having uninsured motorist coverage usually will help. In many cases, your insurance company will treat this as if the other driver was uninsured, and you will receive the appropriate benefits under that coverage.
Knowledge Equals Power in Orlando Auto Accident Cases
If you’ve been involved in a car wreck in Florida involving an uninsured motorist, you know the difficulties and stress it can cause. Whether you’ve been in this situation or not, the Orlando car accident lawyers at Auto Justice Attorney believe it’s a good idea to protect yourself by getting additional insurance coverage. That way, you won’t risk facing an extra financial burden because of an accident that wasn’t your fault.
To learn more about your rights if you’ve had a run-in with an uninsured motorist, call 888-465-1577 for a free consultation.