Uninsured Drivers Are A Big Problem In Florida

Florida has a major problem with underinsured and uninsured motorists. Recent studies conducted by the IRC (Insurance Research Council) have revealed that Florida has a high number of uninsured motorists. In fact, Florida is in the second place with about 3.2 million uninsured motorists while California is in the first place with 4.1 million. Texas is third in line with 1.6 million. Thanks to these statistics, it is clear to see that Florida drivers have a big problem since some drivers will never get compensated for the damages caused by the uninsured motorists. This means you have to pay for the costly bills in case you are involved in an accident instead of the person who is at fault.

Uninsured Motorists Options You Have in Florida

So what are your choices if you are involved in an accident with a motorist who isn’t insured? If a crash happens in the Miami area, you will have limited options on how to handle the accident and payments for the damages. The options will be more limited if the driver at fault is uninsured. One option you can rely on is to get coverage from your insurance company. However, the amount you can recover from your insurer will be determined by the coverage minimums on the policy. Although every insurance policy in Florida has a minimum coverage amount established by the law, it is not mandatory to subscribe to that minimum amount. In fact, you can opt to get an uninsured plan that will help you cover the bills incurred if you are in an accident with an insured motorist.

Usually, the minimum policy covers your bills to a tune of $10,000.When you think about it critically, this amount could be extremely low considering what bad accidents cost. If a bad accident occurs, you will have to pay hospital bills that can easily approach or exceed $ 10,000. Moreover, you will miss work, or your car will need to be replaced, so your $10,000 will not cover the entire expense you incur. The most unfortunate thing is that these expenditures will keep piling up. All these expenses are proof that it is better to get an uninsured policy to protect yourself during those difficult times.

The other option you have is suing the uninsured motorist who was at fault. However, you will experience other problems. For example, the uninsured motorist may lack money to pay for damages even if you manage to prove in court that they were at fault. You will probably not recover the money you need to pay your bills.

Contact a Reliable Insurance Company for a Consultation

It is evident that uninsured driving is a great problem for those who live in Florida. Having the second most uninsured number of motorists in the country, every responsible driver should consider supplementing their current policy with an uninsured coverage. This makes it easy for you to cover your expenses when a difficult unplanned situation arises. Make sure you get the uninsured policy from a reputable company and compare numerous quotes to get more value for your money.

For more information about how The Sena Group can help you with any

of your insurance needs, please contact us at 561-391-4661.

We can be found on Social Media at the following links.

The Sena Group
6501 Congress Ave., Ste. 100
Boca Raton, FL 33487
561-391-4661