If you are injured in a car accident as a result of another driver not having bodily injury liability coverage, your uninsured motorist coverage will compensate you for the costs of your damages, including medical expenses, lost wages, pain and suffering, property damage, and wrongful death. Uninsured motorist (UM) coverage protects the policyholder by paying for injuries or damages that result from a car accident caused by a driver who does not have enough insurance. The law requires all insurance companies to offer UM insurance coverage and Florida drivers must sign a statement refusing UM coverage to show that they chose not to include it in their insurance policy. If you don't have bodily injury insurance coverage and the other driver doesn't have bodily injury insurance coverage, no matter the severity of your injury, you won't be able to recover anything from your insurance company other than the PIP coverage required for medical expenses and lost wages.
Your lawyer specializing in uninsured motorists can assess your damages, analyze your insurance coverage, and determine if your insurance can cover your damages. Collision insurance will pay for the repair of your vehicle if you are hit by an uninsured driver, but it won't cover any of your medical expenses and comprehensive insurance won't cover your expenses at all after a collision. UIM coverage provides insurance coverage if the negligent driver's insurance coverage is insufficient to pay for all the damage caused. UM coverage provides insurance coverage to the policyholder for damage caused by the negligence of an uninsured vehicle driver.
When you have a car accident with an uninsured driver, it's essential to have an experienced Florida car accident lawyer from the start.