While automobile insurance is required for every Florida driver, the only mandatory coverages are (1) $10,000 in Property Damage (in case you damage someone else’s vehicle) and (2) $10,000.00 in PIP/No-Fault benefits (pays your initial medical bills). Unfortunately, in the State of Florida, it remains legal to drive without carrying any Bodily Injury Liability, the coverage which compensates others when we accidentally injure them in an automobile accident. It is estimated over 30% of Florida drivers carry no or minimal Bodily Injury Liability coverage. Purchasing Uninsured Motorist benefits protects you and your family if you are injured in an automobile accident by a driver who carries little or no Bodily Injury Liability coverage.
We oftentimes visit with potential clients who have suffered massive injuries but, because of a lack of Bodily Injury Liability coverage on the part of the at-fault driver and not having purchased Uninsured Motorist benefits to protect themselves, little can be done to compensate them for devastating injuries. This occurs often in the State of Florida because of the Legislature’s unwillingness to require Florida drivers to carry at least a minimum level of Bodily Injury Liability coverage. As a result, many injured Florida drivers are forced to bear the financial, physical, and mental burdens of an automobile accident which they did not cause. Carrying appropriate levels of Uninsured Motorist coverage on your automobile insurance policy alleviates this risk to you and your family.
Despite its importance, Uninsured Motorist benefits are not necessarily encouraged by insurance carriers because it exposes the company to additional injury payments. Also, when purchasing insurance online, many people are not even aware of Uninsured Motorist benefits and how important it is. Finally, and admittedly, Uninsured Motorist benefits certainly increase the cost of your insurance premiums but offer invaluable protection in a state which does not require all drivers to carry Bodily Injury Liability coverage.
If you’ve recently been injured in Port Charlotte, Punta Gorda, North Port, or Englewood car accident, you are dealing with car repairs, medical expenses, lost wages, mental and physical pain and suffering, and a substantial disruption to your daily life. Please contact the personal injury attorneys at Goldman, Tiseo & Sturges, P.A. to discuss how we can help. We are a local law firm with an AV rating by Martindale Hubbell, a rating achieved by less than 4% of all U.S. law firms. Our attorneys provide personal, hands-on assistance for every aspect of your personal injury claim. Contact us today for a free initial personal injury consultation: 941-625-6666.