What happens after an accident with an uninsured driver?
When people in Florida drive their vehicles, it is important that they are following the various traffic laws and paying attention to the road. When drivers fail to follow traffic laws, take unnecessary risks or become distracted, they can cause motor vehicle accidents. Unfortunately, there are many accidents every day, which is why every driver is required to have auto insurance on their vehicles.
While it is required by law, not every driver has insurance for their vehicles though. This is not a problem every day, but it can become a major issue if the uninsured driver causes an accident. Victims can be left with serious injuries that require significant medical treatment. They also may not be able to work and lose income as well. Ideally, the victim of the accident will be compensated by the other driver’s insurance company, but when there is no insurance, the likelihood that the other driver will be able to pay for the damages is very low.
Receiving compensation through uninsured motorist coverage
Victims of motor vehicle accidents who find themselves in this position may still be able to receive compensation, but it would come from their own insurance company instead of the other driver. People who have uninsured motorist coverage as part of their own insurance policy can submit claims under that part of their coverage.
The insurance company will then have to compensate the victim, essentially stepping in as the insurance company for the other driver. This also applies when the other drivers’ insurance policy limits are not high enough to compensate the victims for all of the damages they suffer. The uninsured motorist coverage is there to pay the difference between the policy limits of the other driver and the actual damages.
Uninsured motorist coverage in Florida can be very valuable. Unfortunately, there are many drivers who are uninsured or underinsured. Victims of car accidents do not know which ones have insurance and which ones do not until it is too late though. Uninsured motorist coverage can ensure the victim is properly compensated, but just because it is one’s own insurance policy, it does not mean the insurance company will automatically pay for everything though. People may still need to fight with the insurance company to receive what they deserve. Experienced attorneys understand how to deal with insurance companies and may be able to help one through the process.