You might be surprised to learn that not every Florida driver carries bodily injury liability insurance. So what happens if you’re injured and the at-fault driver has no coverage? In many cases, your own uninsured motorist (UM) coverage may step in to protect you. Understanding how uninsured motorist coverage works is critical when filing a Florida personal injury claim.
Key Takeaways
- Florida does not require drivers to carry bodily injury coverage.
- Uninsured motorist (UM) coverage can protect you.
- UM claims are filed with your own insurance company.
- Compensation may include medical bills and lost wages.
- The deadline to file a Florida personal injury claim is 2 years.
How Uninsured Motorist Coverage Works
UM coverage is optional but highly valuable. If you carry it, your own insurer may compensate you when the at-fault driver lacks coverage.
What Damages Can Be Covered?
A Florida personal injury claim involving UM coverage may include medical expenses, lost income, and pain and suffering-similar to a standard injury case.
Dealing With Your Own Insurance Company
Even though it’s your insurer, they may still negotiate aggressively. You still have to prove fault and damages, just like any other Florida personal injury claim.
Time Limits Still Apply
The 2-year statute of limitations still applies in most injury cases. Acting quickly protects your rights.
Conclusion
An uninsured driver doesn’t necessarily mean you’re out of options. With proper coverage and the right strategy, you may still pursue a Florida personal injury claim and recover compensation for your injuries.
Frequently Asked Questions
1. Is uninsured motorist coverage required in Florida?
No, but it is strongly recommended.
2. Can I sue the uninsured driver personally?
Yes, but collecting compensation can be difficult.
3. Does UM cover pain and suffering?
It often does, depending on your policy.
4. What if I don’t have UM coverage?
You may need to explore other recovery options.
5. How long do I have to act?
You generally have 2 years from the accident.
This post was written by a professional at LeavenLaw. Attorney Kevin L. Sullivan II is your zephyrhills truck accident lawyer and an experienced personal attorney near you for LeavenLaw. Kevin is proud to serve Florida accident victims that have been injured in auto accidents, motorcycle accident, slip and falls or have suffered any other type of injury caused by negligence. Kevin offers a FREE no-obligation consultation to discuss your claim. There are NO upfront fees or costs and if he does not collect for you, you do not owe him anything.