Uninsured Motorist Coverage in Florida and Why It Matters

Florida is one of the most lenient when it comes to driver’s insurance requirements in the US. That is why it is recommended that you add Uninsured Motorist Coverage to your insurance policy.

Uninsured motorist coverage protects you from losses caused by an uninsured driver. This coverage can help you pay for medical bills, lost income, and property damage from a car accident. A Florida car accident attorney always recommends it despite it not being universally considered necessary. However, after being in a car accident in Florida, you’ll be glad you have this optional coverage.

What Are the Minimum Insurance Requirements in the State of Florida?

In the state of Florida, you must show proof of two types of insurance before you register for a four-wheeled vehicle. The two types are –

Personal Injury Protection

This insurance covers 80% of all necessary and reasonable expenses resulting from a covered injury, regardless of who was at fault for the accident, with a minimum of $10,000.

Property Damage Liability (PDL)

This insurance covers damage to another person’s property caused by the vehicle owner or by another person driving said vehicle. It also has a minimum limit of $10,000.

Legal Provisions That Contemplate Car Insurance in Florida as An Indispensable Requirement

Florida maintains two laws that require insurance for motor vehicles. These are the No-Fault Law and the Financial Responsibility Law. Below, we will give you a brief idea of ​​what each of these legal provisions is about.

No-Fault Law

According to the Florida car and truck accident attorneys, this law requires anyone who registers a vehicle in Florida to purchase car insurance. This provision covers all four-wheeled vehicles, including taxis, limousines, trucks, and Uber services.

It is also provided for all those who use a car for 90 days in Florida. These days may or may not be consecutive. This insurance policy must have the minimum coverage established.

Minimum Coverage:

  • $10,000. Correspondents to protection in case of personal injuries (PIP)
  • $10,000. Property Damage Liability (PDL)

With a policy’s coverage, it is possible to obtain the car’s license plate and registration. In the case of not presenting a car insurance commitment in Florida, the immediate consequences and sanctions immediate are:

  • Immediate suspension of the driver’s license for up to three years.
  • Automatic suspension of the car’s registration for up to three years.

If the suspension is for the first time, the fine to be paid will be $150. If this happens twice, within three years, the sum of the fine will rise to $250. If, within three years, this situation occurs three times, the fine will be $500.

Financial Responsibility Law

The spirit of this legal provision is none other than to make drivers financially responsible for personal and property damages that they may cause. Injuries that may occur on the occasion of a car accident. The penalties provided for cases of non-compliance with this regulation include,

  • Suspension of license and registration for up to three years.
  • Cancellation of reinstatement charges.
  • Demonstrate proof of insurance for a minimum period of three years in order to reinstate the license.
  • In cases of car accidents without insurance in Florida, the authority has the power to force the driver to cancel all property and personal damages that may have occurred. This is done before and as a requirement for the reinstatement of the driver’s license.

What Is a No-Fault State?

Florida is a no-fault state, which means that each party pays their respective accident expenses, regardless of who was at fault. That said, the other party could still sue you for damages if they exceed the minimum insurance requirements, so it is recommended to have Bodily Injury Liability (BIL) insurance, which protects you in case others are injured or die due to your negligence.

This complicated legal issue is often complex to determine. A Florida car accident attorney will be beneficial to resolve this situation to find out the percentage of fault that you had in the accident in order to make the insurance claim.

What is Uninsured Motorist Coverage in Florida?

Although this type of coverage is optional in Florida, it is highly recommended. This coverage pays for injuries caused by a car accident where the at-fault driver is uninsured or underinsured. It is important to note that this insurance does not cover damage to your car. It covers things like medical bills, lost wages, disability, pain and suffering, and death, among others, which basically includes replacement services for things you can no longer do.

Why Is It Important to Have Uninsured Motorist Coverage in Florida?

With the shallow insurance requirements in the state of Florida ($10,000 PIP) and the many motorists who unfortunately drive without any type of insurance coverage, it is essential to add that level of protection to your auto insurance coverage. If an uninsured motorist does end up in the accident, you may find that all of the expenses related to the injuries sustained during the accident will end up being out of your pocket.

Florida Car Accident attorney can help you file your insurance claim and recover medical damages with uninsured motorist coverage.

Contact Our Florida Car Accident Lawyers Today

Given the increasing number of uninsured drivers and accidents in Florida, understanding and managing uninsured motorist insurance claims is becoming increasingly important. These claims can be more complex than standard liability insurance claims.

Here at Louis Berk Law Firm, we have a team of bilingual, experienced attorneys who are well-versed in uninsured motorist claims in Florida. Contact us for a FREE consultation and to learn more about how we can help you with your uninsured motorist insurance claim.

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