There are many people on the roads in Florida every day. People drive to work, drive to school, drive to run errands and go shopping, to go and see friends and family, go out to eat, for recreational purposes and other reasons. There are also people who drive trucks and delivery vans for their employment. With all of the various vehicles on the roads each day, it is very important that all drivers follow the laws and avoid distractions.
As people know though, not all drivers follow all of the rules. Some speed, some use their phones while driving, drive to close to other vehicles, do not check their blind spots before changing lanes, do not stop at red lights or stop signs, driver under the influence of alcohol or drugs and make many other poor driving choices. These drivers can cause motor vehicle accidents and drivers who have done nothing wrong can still end up with significant injuries.
That is why there is also a law that drivers must have car insurance for their vehicles. The insurance is there to pay for any damages that the driver causes to the other people involved in the accident. However, not everyone follows this law either. There are many drivers who do not have insurance at all or they have low coverage rates. This can leave the victims of the accidents in a difficult position.
Importance of uninsured/underinsured insurance coverage
That is why insurance providers also have to make uninsured/underinsured benefits available to all drivers they insure. They also have to provide coverage rates for uninsured/underinsured insurance at the same rates as the driver’s liability insurance.
If people are injured by an uninsured driver or an underinsured driver, which means their coverage limits do not cover the entirety of the damages they caused, the victims can seek compensation from their own insurance company instead. The process to get the compensation is similar, but instead of filing a claim with the other driver’s insurance company, people would file one with their own insurance company instead.
It is important that victims of car accidents are compensated properly for their injuries and damage to their vehicles. The injuries can be very detrimental and force the victim to incur significant medical bills in addition to the pain and suffering the injuries can cause. One of the best ways to ensure compensation is by having uninsured motorist coverage so people may be able to receive compensation in any accident. Experienced attorneys understand how to deal with insurance companies after an accident and may be able to guide one through the process.