An uninsured motorist is a scourge. These irresponsible drivers cause injuries and then try to avoid responsibility. Moreover, in Florida, among other requirements, every driver must have a valid driver’s license and minimum car insurance.
Uninsured Motorist is Common Problem in Southwest Florida
No one knows how many uninsured drivers share our roads and highways in Southwest Florida. However, estimates suggest one-in-five vehicles has no insurance coverage. This is very bad news.
When an uninsured motorist causes damage, you are in a big financial hole. Consequently, getting a large judgment rarely helps. An uninsured driver won’t pay it.
Consider, an uninsured motorist doesn’t have bodily injury coverage. This driver likely has no assets. This presents huge financial problems for everyone. You may have some options, but this depends on your case facts, and often, your own auto insurance.
An Underinsured Driver is Not an Uninsured Motorist, But Pretty Close
However, many drivers are “street legal” in Florida. These drivers carry minimum insurance limits. Only $10,000 property damage and $10,000 personal injury protection are required.
Obviously, these paltry Florida mandated insurance amounts provide no help to seriously injured crash victims. But, a minimally-insured driver is technically not an uninsured motorist. Rather, these drivers are known as “underinsured”, because their insurance limits cannot pay your damages.
Protect yourself against uninsured or under-insured drivers. Buy uninsured motorist coverage. This is called “UM.”
Florida requires UM coverage. However, many people sign rejection forms waiving this coverage. Unbelievably, many good people waive UM thinking they save money. Unfortunately, these tiny savings never help when an underinsured driver crashes into you.
Protect Yourself with Uninsured Motorist Coverage
UM insurance is simple and really helps. Uninsured motorist insurance provides you injury coverage when careless drivers don’t. Accordingly, this protection is critical. Your financial security may depend on UM after a collision.
In our view, every driver should buy UM insurance. Call your insurance carrier or broker and get it now. Your minimum should be $100,000 per person and “stacked.” If you can’t do this, then purchase protection you can afford.
Stacking multiplies your UM policy limits by your cars. For example, if you have two cars in your household and $100,000 coverage per person, then your available UM compensation is $200,000.
Because you now have good UM coverage, you might recover what you need. Without it, your money problems may continue to get worse.
Pursuing Justice in Uninsured Motorist Claims
If you are injured in a crash, then contact experienced Fort Myers accident lawyer David Harris. During your initial consultation, David evaluates your circumstances and how he may help.
David pursues top compensation for you. Pain and suffering, medical expenses, and lost income are all big losses.
Importantly, David values you. Furthermore, your opinions matter, questions answered, and phone calls returned. You know what is happening in your case and why.