It’s a situation drivers in Florida find themselves in every day. They get into a car accident that was the fault of another driver, only to find that person does not have auto insurance to cover the damages. What do you do if you find yourself dealing with this problem?
Fortunately, your own uninsured motorist (UIM) coverage can be of great assistance. However, you must purchase this coverage as part of your policy, as it usually does not come standard and is not required per Florida law. Insurance providers do have to offer UIM coverage as an option. If it’s available to you, it’s highly recommended that you purchase this additional coverage.
How UIM coverage works
If you have UIM protection, your insurance provider will compensate you for any damages you sustain in an auto accident, up to the amount specified in your policy. These policies usually cover passengers, and so you do not have to be the person driving at the time of a crash to receive coverage.
There are often restrictions on UIM policies, and some injured parties may find it difficult to get the compensation they need from their insurance companies. In these situations, it may be helpful to consult an attorney to work with your auto insurer and seek the compensation you deserve.
Getting into a car wreck with an uninsured driver can be a stressful experience. Get the sound legal advice you need by contacting an experienced Bradenton auto accident lawyer with Shapiro, Goldman, Babboni & Walsh.