How will insurance help after a wreck with an uninsured driver?

On Behalf of | Aug 10, 2022 | Motor Vehicle Accidents |

Florida requires that those with vehicles pay for insurance if they want to drive. However, just like plenty of people ignore the law when it comes to the speed limit or the requirement to use turn signals, there are plenty of Florida drivers who don’t keep their insurance policies active.

Some people let policies lapse by accident because they miss a payment or bounce a check. Others intentionally cancel their coverage to save themselves a few hundred dollars. They gamble their financial stability on the conviction that they won’t get into a wreck.

If you get into a crash caused by one of these drivers, you won’t be able to make a claim against their insurance. What financial protection will you have in that situation?

You can make an uninsured motorist claim against your policy

Florida only requires liability coverage, but many drivers pay extra money to add more protection to their policies. Uninsured motorist protection is one of the most important forms of coverage. It protects you when there is no other insurance available.

Uninsured motorist protection is available in most states, but many of them impose limitations on the coverage. It is common for uninsured motorist protection to only relate to medical issues, but Florida allows for property damage coverage as well. Typically, you have to carry the same amount of uninsured motorist protection as you carry liability coverage for yourself. That way, you can count on having the same coverage you would provide to another person if you were at fault for the wreck.

Big claims lead to big complications

When you need to make a claim against your own insurance coverage instead of the policy of another driver, you might expect the insurance company to remain fully cooperative. Despite your expectations, their objectives will likely include minimizing how much you receive to reduce their own losses.

Even if you hope to avoid court and settle the matter with insurance instead of bringing a lawsuit against the other driver, you may still need legal assistance to handle a complex and expensive insurance claim. Making use of your uninsured motorist protection after a Florida car crash can help you repair your vehicle, pay your hospital bills and replace lost wages.