When you get into a car accident in Florida, your insurance pays for the damages to your vehicle and your medical bills regardless of who caused the accident because it is a “no-fault” state. If the other driver is uninsured, it does not necessarily affect you. It simply means that the uninsured driver will have to pay for their damages out of their own pocket. However, if the damage is severe, there are some other measures you can take.
Litigation
Because Florida is a no-fault state, you face restrictions when it comes to suing the other driver. In some cases, if you suffer major injuries, you can pursue a lawsuit against the other driver. However, this may not be worth the legal fees, since the other driver likely does not have much in the way of assets – after all, they couldn’t afford insurance coverage. So what can you do in this case?
Uninsured Motorist Coverage
When it comes to insurance, it is all about being prepared. Purchasing uninsured motorist coverage will go a long way towards ensuring financial relief should you get into a severe accident. This means you won’t have to sue and risk spending more in legal fees than you gain from the case.
Work with a talented insurance agent at Florida Insurance Group, and we will make sure you are covered – even in the worst case scenario.