Do you really need uninsured motorist coverage in Miami if car insurance is mandatory in the state of Florida? In a perfect world, no. But not all drivers are responsible and some drive illegally without car insurance. This puts you at risk financially if you don’t have it, especially if you drive a vehicle worth more than the state minimum for insurance coverage or your medical expenses exceed your personal injury limits.
Underinsured and uninsured motorist coverage both help financially protect you from at-fault drivers without proper insurance coverage in the event of an accident. They’re added to your car insurance policy for additional premiums you are responsible for paying.
But, why do you need these additional coverages if they’re not mandatory in Florida? Because if you have to make a claim due to underinsured or uninsured motorist coverage, your auto insurance company can’t cancel you, raise your premiums, or refuse your policy renewal request for making the claim.
What’s the Difference Between Underinsured / Uninsured Motorist Coverage in Miami?
Underinsured motorist coverage kicks in if the at-fault driver has insurance but not enough to cover your injuries and / or damages. This is the case when an insured driver causes an accident, but their policy limits are too low to cover all of your expenses for car repair and to make you “whole” again if you’ve been hurt.
As the name implies, uninsured motorist coverage in Miami applies when the driver who caused the accident has no car insurance coverage at all.
What Should You Do if You’re Injured in an Accident by an Uninsured Driver?
Whether you suffer a personal injury from an accident with an insured, underinsured, or uninsured driver, you should first exchange insurance and / or contact information, call police, and seek medical care. Next, call your insurance company to report it.
The next step is one of the most important ones. As soon as possible, contact a personal injury lawyer to see what evidence you need to collect in case you need to file a lawsuit against the party who is at fault.
For the top personal injury lawyers in South Florida, the number to call is 1-877-STEIN1. Our experienced attorneys will fight to ensure you receive all of the compensation to which you’re entitled, so put us to work for you today!