Every driver in Florida should have a license affirming that they know traffic laws and have the necessary training and skills to safely operate a motor vehicle. They should maintain their vehicle in safe condition and also pay for insurance.
Although most drivers aim to go a lifetime without experiencing a motor vehicle collision, crashes occur every day. If you end up in a wreck caused by another driver, you would naturally expect to make a claim against their insurance coverage.
After all, this situation is exactly why everyone carries insurance coverage. Unfortunately, you might end up in a wreck caused by a driver who does not have proper insurance.
What are your chances of a crash with an uninsured driver?
Most drivers comply with the law and maintain the appropriate insurance on their vehicles, but there are always a few people who knowingly violate the law. Florida has more than its fair share of uninsured motorists.
According to data from the Insurance Information Institute, Florida is one of the states with the highest estimated percentage of uninsured drivers. According to data from 2019, roughly 20.4% of drivers don’t have insurance. If you get hurt in a crash caused by another driver, there’s a one in five chance the person to blame won’t have any coverage.
What happens after a crash caused by someone without insurance?
If you are that unlucky driver who ends up in a wreck caused by an uninsured motorist, the no-fault personal injury protection medical coverage required by state law will help protect you. You can make a claim against your own insurance, although your no-fault coverage will typically only pay up to 80% of your costs.
If you have major medical expenses or need to repair your vehicle, you might be able to use your own policy if you carry uninsured motorist protection. If you do not have extra coverage on your policy, then insurance may not pay for your costs. Your best option in such a situation may involve pursuing a civil lawsuit against the driver who caused the wreck and does not carry the legally-required liability insurance.
Understanding the risks you have for an uninsured car crash and your rights after one can protect you on the Florida roads.