Dealing with a car accident is devastating. Learning that the other driver is not insured can make a difficult problem seem far more complex.
Some states require a certain amount of uninsured motorist coverage. While uninsured motorist coverage is an option through many insurance providers, Florida does not require uninsured motorist coverage.
Here’s what you should know about your options after getting into an accident with an uninsured driver.
Check your coverage
Whether you bought your policy a few months ago or a few years ago, it can be difficult to remember the details of your coverage. When you look at your policy, you should look for specific terms or abbreviations, such as:
- Uninsured motorist (UM)
- Underinsured Motorist (UIM)
- Bodily Injury Liability (BIL)
If these types of coverage are included in your policy, you may be able to get the support you need from your insurance provider. However, you should still speak with an attorney since your insurance provider may not give you an offer that includes the recovery that you need.
What happens if I don’t have coverage?
Since uninsured motorist insurance is not required by law, many motorists will not pay for the additional coverage. In some cases, your car insurance may have some options available, depending on your policy and your carrier.
Often, seeking recovery from the individual who hit you is challenging because, typically, an uninsured motorist will not have the resources to pay for your damages.
Getting support from a skilled professional after a car accident is essential. An attorney can help you determine what type of strategy to use for your situation.