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Miami Car Accident: Importance Of Uninsured Motorist Coverage

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Miami-Dade County is the leading county in Florida in the number of annual car accidents, and Florida is one of the top states in the country in the number of car accidents. To add to these statistics, unfortunately, far too many drivers in Florida do not have adequate insurance coverage. This means that if you are injured in a serious car accident in Miami or any other Florida county, then you may be stuck with medical bills in addition to the physical and emotional pain of the car accident.

 

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What about my own insurance company?

 

Many people think that their own insurance company will pay for their medical bills because Florida is a “No-Fault” state. All this means, however, is that your own insurance company will pay for 80% of your medical expenses, up to $10,000, under your PIP coverage. Since an emergency room visit can exceed $10,000, not to mention the incredibly high costs of surgeries or extended hospital stays, PIP coverage is inadequate to protect you if you are involved in a serious car accident.

 

Isn’t it illegal to drive without insurance?

 

Florida requires drivers to have minimum insurance coverage that includes $10,000 in PIP coverage and $10,000 in property damage coverage. In general, aside from a few narrow exceptions, drivers are not required to have bodily injury coverage. Bodily injury coverage is the coverage that pays for the victim's medical bills, lost wages, and pain and suffering. This means that a driver can comply with the law by purchasing an insurance policy that does not have any bodily injury coverage. In addition, many people simply choose not to comply with the law and do not have any insurance coverage at all.

 

What is uninsured motorist coverage?

 

Uninsured motorist coverage covers your medical bills, pain and suffering, and lost wages if the negligent driver does not have any insurance. Florida requires drivers to have uninsured motorist coverage protection equal to the amount of their bodily injury coverage. Drivers can choose to lower their uninsured motorist coverage or decline it altogether.

While adding uninsured motorist coverage will increase the amount you have to pay for your insurance premium, Lavent Law strongly recommends that you choose to have this very important coverage. With so many careless drivers in Miami causing car accidents and not having insurance, it is important to have uninsured motorist coverage to protect yourself.

 

Lavent Law represents individuals in car accidents in Miami, Aventura, and throughout Florida. Contact car accident lawyer Boris Lavent to receive an absolutely free case evaluation. You will not be responsible for any fees or costs unless there is a recovery in your case.