I cannot stress enough the importance of adding Uninsured Motorist (UM) coverage to your auto insurance policy. Paying a little extra for your insurance premium is well worth it. A car accident can have a huge impact on a person’s life and their family’s life.
A serious auto accident can cause an injured driver to be financially ruined.
Under Florida “No Fault” law, a person who is injured in an auto accident at another driver’s fault must first exhaust his or her own Personal Injury Protection (PIP) benefits before seeking compensation from the at-fault driver. Once those benefits are fully exhausted, then the victim of the car accident can look to the at-fault driver’s Bodily Injury coverage for monetary recovery.
Whenever a client comes to our office with injuries resulting from a car accident, one of the first things we do is find out how much insurance coverage the at-fault driver has. A person that caused the accident can have no insurance, they can have some insurance (low limits) or they can have adequate insurance (high limits). Each person decides how much Bodily Injury insurance they want to pay for depending on how much of their own assets they want to protect. Uninsured Motorist coverage can protect you from situations where the at-fault driver has little or no insurance coverage. UM also protects you if the at-fault driver simply runs away from the scene of the accident.
What most people do not realize is that they are sharing the road with careless drivers who are underinsured. The only way to protect yourself is to add Uninsured Motorist coverage to your auto insurance policy.
If you have been involved in a car accident, you should speak to an attorney immediately. An attorney who handles auto accident cases will deal with the insurance companies while you focus on getting better.
Call The Law Office of Louiza Tarassova P.A. today to discuss your auto accident case at 1-855-55-GO-LEGAL.