What Happens if You Are in an Accident With an Uninsured Motorist?
According to a 2021 report from The Insurance Research Council, 12.6 percent of motorists, or roughly one in eight drivers, are uninsured. When injured in a car accident as a result of one of these drivers, what happens next?
Aside from being left with overwhelming medical bills and lost wages from work, it may seem like you have no other options. Fortunately, there’s a solution to this issue—uninsured motorist (UM) coverage can compensate for your medical bills and other damages you may have suffered from in a car crash.
We can’t predict how an accident will happen; however, if you were involved in one where the driver doesn’t have liability coverage or if a driver hits you and leaves the scene of an accident, it’s crucial to be prepared and protect yourself for these types of unexpected circumstances.
What Is an Uninsured Motorist?
An uninsured motorist is a driver at fault in a crash who has no auto insurance or does not meet the state-required minimum liability amount. Hit and run accidents often also fall into this category.
How Does Uninsured Motorists Coverage Work?
Uninsured motorist coverage requirements vary from state to state; however, it is not a requirement in Florida for drivers to have uninsured motorists coverage. Adding this coverage to your policy gives you the financial security for an accident that wasn’t your fault, especially if you sustained injuries and suffered other damages that need repair due to the uninsured motorist.
To spare yourself from paying thousands of dollars for an accident that wasn’t your fault to begin with, we recommend adding this coverage to your policy to save you the financial burden.
Contact a Jacksonville Car Accident Attorney
Raymond Ravis Law Firm has over 20 years of legal experience representing the wrongfully injured and helping clients recover compensation after an accident. If you or a loved one was involved in a car accident with an uninsured driver, we could help.