Krispy Krunchy Chicken, a fried chicken joint in Tallahassee, Florida recently re-opened for business following a car accident that left the front of the establishment in pieces. On Monday, November 9th around 8 p.m., officials responded to the scene of a single-vehicle crash at W Tharpe Street and High Road in Tallahassee. The vehicle crashed through the front of the Krispy Krunchy Chicken restaurant, shattering the glass entryway and coming to a rest inside of the building. The 18-year-old driver of the vehicle says he was driving down High Road, turned into the parking lot, lost control of the vehicle and crashed into the restaurant. Luckily the driver, customers and staff all walked away unharmed. However, the driver did not have insurance and was cited for driving without a license.
In a recent study, it was estimated that 30-40% of all motorists in Central Florida are uninsured or carry only minimal bodily injury (BI) liability insurance limits (i.e. $10,000.00). These studies also suggest that those people who do not purchase bodily injury liability insurance are the most likely to be careless in the operation of their vehicles. Thus, if you are involved in an accident, it is statistically more likely that the accident will have been caused by the negligence of a person with little or no bodily injury liability insurance to compensate you or your family for your loss, injuries, or property damage.
One of the best and cheapest ways that you can protect yourself and your family from the negligence of an uninsured driver is by purchasing uninsured motorist (UM) insurance coverage. Sadly, many people are not told of the importance of UM coverage by their insurance agents. For that reason, they often reject the opportunity to purchase UM coverage. It is true that you can save a few dollars by rejecting UM coverage. However, if you are ever involved in a serious motor vehicle accident where you or your loved ones are seriously injured, or your personal property damaged by an uninsured motorist, you’ll be more than glad you made the investment.
Many of our clients bought their truck, auto or motorcycle insurance years ago and have not checked their policy since it was purchased. If this sounds like you, this might be a good time to check your policy or get with your agent to see where you stand with respect to your UM coverage. Increasing your coverage may cost a little bit more now but it could look like a very wise choice if you or a loved one are ever seriously injured as a result of the negligence of an uninsured motorist.
James O. Cunningham is a board certified civil trial lawyer who has been handling personal injury and wrongful death claims since 1977. If you have any questions concerning either UM coverage or motor vehicle accidents in general, you can call us at 877-FL-INJURY (877-354-6587) to schedule a free consultation.
James O. Cunningham
Since 1977, personal injury lawyer James Cunningham has provided effective legal advocacy to people who are injured through the negligent actions of another person or entity throughout the Central Florida area. He fights to obtain recoveries for his clients’ physical and emotional pain and suffering and pursues his clients’ personal injury cases with a commitment to excellence and impeccable preparation.
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