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Brooks Law Legal Blog

Uninsured Motorist Coverage is a “MUST HAVE”

Categories:Auto Accidents

Every 2 minutes across the Nation there is a car accident. Chances are you have already been involved in at least one accident in your life. The Insurance Research Council (I.R.C.) said in 2012 that 1 out of 8 drivers are uninsured. This means that your chances of being involved in an accident with an uninsured motorist are very high. The I.R.C. listed Florida as the second state with the highest number of uninsured drivers in 2012. This is partially due to Florida’s relaxed laws with insurance regulations as well as the economic downfall in recent years. Some people believe that they are fully covered by carrying a Personal Injury Protection policy but they are wrong- PIP is not a full coverage policy it is the minimum coverage. Brooks Law Group is all too familiar with these stories as we meet families who only have the minimum policy and cannot get the settlement they need to move on with their lives.

If you are involved in an auto accident with an uninsured motorist there are a few simple steps that will make your claim go smoothly. First, dial 911 and report the accident. Second, stay out of harm’s way but do not leave the scene of the accident. Third, if there are potential witnesses nearby ask them to stay until police arrive so they may add their accounts to the report. Furthermore, many folks believe that they are not injured immediately after an accident; oftentimes the pain does not flare up until a few days later. It is always good to get examined by a doctor as soon as possible. Many Americans do not have health insurance therefore going to the hospital is the only source of care available.

The sooner you report the accident to your insurance agency, the sooner they can get started working on your claim. This is where the importance of full insurance coverage comes in. If you are the victim of an accident caused by an uninsured driver while only carrying a PIP policy chances are you will receive just enough coverage to receive treatment with a doctor for sprains and minor to severe injuries however if your injuries are serious and require surgery then PIP is often times not enough. More than 20 states in the USA have made it mandatory for their drivers to carry Bodily Injury and uninsured coverage to protect you and anyone else involved in an accident involving a minimal insured policy or someone with no insurance. Florida does not require its drivers to carry these policies, but you will thank yourself later for doing so. By carrying Bodily Injury (B.I.) you are protecting your assets in the event of serious injury where you were at fault. By carrying Uninsured Motorist (U.M.) coverage, you are protecting yourself and your family when an accident occurs involving a hit and run or uninsured driver. There is also collision and property damage coverage which ensures that your vehicle will be repaired or replaced under the policy.

Injuries caused by vehicle accidents vary from whiplash to fatal. If you are involved in an auto accident the chances of you sustaining muscular sprains is very high. You may not feel the effects right away but keep in mind that our bodies absorb the shock of the impact just like our vehicles do. Even if your vehicle has minimal damage, you can experience pain. By hiring a competent lawyer you will be able to pursue compensation for treatment, liability, and security for your claim. Don’t wait until it is too late to upgrade, call your insurance provider and get full coverage right now. For those that are on the road without any coverage be warned that the fines in Florida are as follows: First time offenders receive a $150 ticket. The second time you are caught without insurance the fine goes up to $250 and the third time you will be ticketed $500. Any time you drive without insurance you are taking the risk of possible license suspension as well as further fines. According to the website www.statisticbrain.com the total revenue generated from uninsured motorist tickets was a whopping $860 million in 2013. It is a risk to your job, your family, and your life by driving without any insurance. The year is 2015 and there are no more excuses. Buckle up, get full coverage, and be safe.

 

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