Florida law requires everyone in the state to carry a minimum amount of insurance coverage in the event of a collision. Sadly, not everyone follows through on this obligation. That means that if you are injured in a crash caused by a driver with no insurance, you must find another avenue of restitution for your injuries.
This is where uninsured and underinsured motorist coverage come into play. This is an optional coverage on your personal motor vehicle insurance or homeowners policy, and one that you may want to seriously consider opting for when you purchase coverage. Uninsured motorist coverage can compensate you for the costs associated with your accident injuries or may make up the difference if the other driver has only limited coverage that does not cover your monetary damages.
Florida requires you to have personal injury protection as part of your insurance coverage. This may help with your medical bills if you do not have uninsured motorist coverage, but not to the same extent as if you had this extra coverage. Of course, simply having the coverage does not automatically equate to a successful claim. Insurance companies are in the business of making money, and they may attempt to find a reason to deny your claim.
An attorney can help. You could obtain a full explanation of your rights and responsibilities under your uninsured or underinsured motorist coverage and help with filing a claim. Sometimes, the insurance company attempts to offer you a settlement for much less than you need and deserve, which companies tend to do in motor vehicle accidents. Before accepting such a settlement, it may be beneficial to see whether it is in your best interests to accept it.