The Case for Uninsured Motorist Coverage

Many people are penny wise and dollar foolish. One consumer may purchase the cheapest washing machine available, giving little or no regard to the item’s long-term durability and operating costs. Another consumer may buy the cheapest car insurance available, giving little or no regard to the policy’s coverage.

Nearly one in four Florida motorists are uninsured, a figure that is well above the national average. As the uninsured driver rate is frequently tied to the unemployment rate, the number of uninsured motorists is likely to remain high for at least several years. Based on these statistics, consumer advocates strongly encourage Florida drivers to pay the extra few dollars for uninsured motorist coverage.

If you are involved in a collision with an uninsured motorist, there is almost no chance you can get money for even basic damages, such as uncompensated lost time for work and outstanding medical bills. The same holds true for collisions involving hit-and-run drivers who are never identified or never come forward. Protect yourself. You can purchase uninsured motorist coverage which will allow you to collect from your insurance company as if you were collecting from the driver that caused the accident. Your insurance company (instead of you) will be left with the difficult task of collecting from the at-fault driver.

If you are involved in a collision with an uninsured motorist, it is very important that you speak with an attorney. Your lawyer may be able to find a responsible third party, such as an employer or car owner who negligently entrusted the vehicle to another driver. But if not, your uninsured motorist coverage will help to protect you and your family. Call an experienced accident attorney today.