Florida Uninsured Motorists

As a responsible citizen, you properly insure your vehicle. But this is not always the case with everybody else on the road. Many people who drive a vehicle do not have legal insurance. In Florida, more than half a million drivers were suspended from driving for not having a properly insured vehicle, according to the Florida Highway Safety and Motor Vehicles.

What happens when I am in an accident with an uninsured driver?

You can still recover medical bills and lost wages in Florida. The state requires all drivers to have a personal injury protection policy. Your policy, regardless of who caused the accident, will pay for injuries and other economic losses associated with the accident. The laws, however, are complicated. You should hire a Florida personal injury attorney, who can help explain the law and your rights better.

What is an uninsured motorist policy?

In Florida, you are can add an uninsured motorist claim to your policy. If the accident caused serious bodily injury, you can recover the maximum amount allowed under your own insurance policy. You have to prove that the driver of the other vehicle was negligent and caused the accident. That could mean, perhaps, that the driver was intoxicated at the time of the accident or was driving at an excessive speed.

Can I file a lawsuit against my own insurance company?

While it may seem a little unusual, you can file a legal claim against your insurance company in an uninsured motorist auto accident that resulted in serious bodily injury. You paid for insurance and the company has a legal right to honor the policy. That is why you need to hire a personal injury attorney. The lawyer will conduct an investigation and determine whether you can file an uninsured driver claim against your own insurance company.

James O. Cunningham has been a Florida uninsured motorist accident attorney for over three decades and can talk with you about your case. Contact him today at 877-FL-INJURY (877-354-6587).