What is Uninsured Motorist Coverage?

Uninsured Motorist Coverage

Don’t want to be stuck with hefty expenses for medical bills or car repair costs when a driver who doesn’t carry liability insurance hits you in Florida? Why not get uninsured motorist coverage? It protects you from uninsured drivers and technically covers everyone else on the street.

What happens when an uninsured motorist hits you in Florida?

Aside from suspension or confiscation of their license, you can press criminal charges if the situation calls for it. You can file a claim against the uninsured or underinsured driver individually and you can alert your own insurance company that you are filing an insurance claim when it comes to recovery of damages.

If you have uninsured motorist coverage, it will help pay for the bodily injury, medical damages and other related expenses if an at-fault driver who doesn’t have insurance hits you on the road. This insurance protects you by paying for injuries and damages to you and your family after an accident when an uninsured driver is at fault.

A closer look at uninsured motorist coverage

Uninsured motorist coverage is liability insurance that you can take out for yourself so that if an uninsured driver hits you. It can cover the following expenses of the victim:

• Medical bills and compensation for their pain and suffering because of the accident. This covers consultation with doctors and other health care professionals, physical and cognitive therapy, crutches, and other health accessories as deemed necessary. This liability coverage also pays for ambulance services, in-home services, and additional costs related to the victim’s bodily injury from the accident.
• Lost wages. Some people cannot work anymore after an accident, so the victim must show proof about the wages they lost. They have to show proof of how much they were earning before the accident and what reasonable steps they took to mitigate the blow in their income.

The recovery depends on the extent of injuries that may be as minor as a bruise or a severe traumatic brain injury.

Following a car accident, it’s vital to seek immediate medical attention if you believe you may have been injured. Otherwise, you might discover additional symptoms down the road. Your uninsured motorist coverage attorney in Florida will calculate these medical costs and any other additional costs for treatments or therapy as required by your physician.