Most states in the U.S. require drivers to have liability insurance. Despite these laws, there are millions of drivers on the road without the required limits and some without any insurance coverage at all.
It’s bad enough getting into a car accident, but when you are hit by an uninsured motorist who causes injury or property damage, it becomes even more complicated.
Florida Auto Insurance Laws
Typically, when you are in a car accident, the insurance company for the person at-fault pays for damages. However, Florida is a no-fault state meaning that regardless of how the car accident happens, your own personal injury protection (PIP) policy will have to cover your medical expenses up to the policy limit. However, PIP will not cover for your pain and suffering. For this, you would need to seek damages through the legal system.
Steps To Take When An Uninsured Motorist Has Hit You
If an uninsured motorist hits you, the first priority is to get medical help if you need it. After that, follow the steps below:
Determine Fault: The first step is to determine who is at fault for the accident. You must also figure out if you live in a no-fault or tort state.
No-fault vs. Tort: Many U.S. states are no-fault states meaning it doesn’t matter who was at fault. If you get hit, you have to pay for injuries and damages yourself. In tort states, the insurance company of the at-fault party must pay for all injuries and damages.
Get the Right Protection: Due to the staggering number of uninsured motorists, many drivers opt for “uninsured motorist (UM) or underinsured motorist (UIM) protection” in the case that someone hits them without the proper liability coverage. This policy will cover repairs, damage, and medical bills.
File a Police Report: Once you have determined fault, it’s time to contact the police and file a report. Don’t overlook this step, many insurance companies require it as part of their process for issuing claims. Be sure to take pictures of the scene, your car, and any other pertinent details. You might need them later if you have trouble with the insurance company or decide on litigation.
File a Claim with Your Insurance Company
As soon as possible, contact your insurance company and file an “uninsured motorist claim.” If you don’t have this rider on your policy, you can claim under the collision portion of your existing policy. Unfortunately, however, this will not pay for any medical expenses.
Depending on the situation, you may also decide to press charges or take the uninsured motorist to court to claim damages and other expenses related to the accident. If you do, you may need help sorting out the details. Contact us today to see how we can help get the rewards you deserve