Season is upon us, and we are beginning to notice the influx of drivers and crammed area roadways. As a Venice car accident lawyer who represents people injured in auto, motorcycle and trucking crashes, I am often asked questions about the various types of insurance coverage. Without a doubt, uninsured motorist coverage is one of the most important types of insurance a Florida driver should purchase.
It is estimated that nearly half of all drivers operating vehicles in Florida carry no bodily injury insurance coverage on their automobile insurance policies; instead, opting to carry only the minimum coverage of property damage and personal injury protection coverage. So what happens in the event you are struck and seriously injured by an uninsured driver?
The answer rests on your decision to accept or reject uninsured motorist coverage at the time you purchased or renewed your insurance policy. Many drivers choose to “reject” this coverage for their family, not fully understanding its significance and the potential ramifications of failing to have it available on their policy following an auto accident. Uninsured / underinsured motorist coverage exists to compensate you for those damages you would ordinarily seek to obtain from the at-fault driver, in the event that driver either fails to have bodily injury coverage entirely or has minimal limits that are inadequate to fully cover your losses.
Given the high percentage of drivers in Venice, Englewood, Sarasota and surrounding communities who maintain no bodily injury insurance coverage or nominal limits of coverage, it makes sense to purchase as much uninsured / underinsured motorist coverage as you can afford so you are fully protected in the event of an auto accident. If you find yourself suffering the life-long impact of severe and permanent injuries and must deal with the consequences of being hit by an uninsured or underinsured negligent driver, you will be very glad that you did.
If you wish to discuss a car accident or injury claim, personal injury or wrongful death case or have questions regarding insurance coverage, please do not hesitate to give me a call for a free consultation at (941) 485-7600. Venice Car, Motorcycle and Trucking Accident and Injury Lawyer, James Keim.