It is frightening to realize how many cars you pass on the road are operated by drivers without insurance. According to the Insurance Research Council, one out of every four drivers in Florida does not have insurance to cover the harm they cause to others. That is the highest rate in the nation.
Many people do not realize why this statistic is so alarming. After all, the state has a no-fault insurance system, and most drivers have Personal Injury Protection coverage. However, our lawyers know that loopholes in the system can leave you vulnerable unless you have uninsured motorist insurance as part of your plan.
Why PIP is Not Enough
Personal Injury Protection or PIP is the part of your automobile insurance that provides compensation for certain medical expenses and lost wages when you are in an accident regardless of whether you were at fault. While this coverage can be helpful after an accident, often it is not enough to restore you to the position you were in before the collision.
Lawyers in Tallahassee frequently see cases where the damage in an accident exceeds PIP coverage. Moreover, PIP only covers certain specified expenses during a limited time frame. Medical costs for continuing treatment may not be covered. And PIP coverage provides no compensation for pain and suffering, loss of future earning capacity, and other significant effects.
What Insurance Companies Do Not Want You to Know
Uninsured motorist insurance can make a world of difference when a driver without the right insurance involves you in an accident. Because this coverage is so important, Section 627.727 of the Florida State Code requires insurers to provide uninsured motorist coverage as part of bodily injury coverage unless the driver buying insurance specifically opts out.
Many times, it seems like insurance companies want customers to pay for extra coverage, but that is not always the case with uninsured motorist insurance. When a driver has uninsured motorist coverage, the company may be forced to pay thousands in additional losses after an accident. To avoid this financial drain, insurers may try to discourage you from buying protection from harm caused by uninsured drivers.
But uninsured motorist coverage is a wise investment. Moreover, if your insurance company offers “stacked” coverage, you can choose it to increase your protection by combining the coverage on multiple vehicles.
Contact a Tallahassee Car Accident Lawyer for Help with Cases Involving Uninsured Motorists
Insurance laws were enacted to protect consumers, but this protection is useless when drivers do not understand their rights and how to enforce them. While all drivers in Tallahassee should carry uninsured motorist insurance, even drivers with the maximum available coverage may find their claims wrongfully denied or need assistance recovering from the party responsible for an accident.
If you or a loved one suffered severe injuries in an automobile collision, it is a good idea to consult a Tallahassee car accident attorney for advice. At Searcy Denney, we are always ready to step forward and fight for a fair recovery. To schedule a free consultation, call us at 888-549-7011 or reach out online.