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Uninsured driver coverage is essential

Uninsured driver coverage is essential to protect you and your family in the event you are in a crash and there is no insurance to cover your medical bills and auto repairs. We have seen so many clients seriously injured and there was zero insurance available to compensate them for a lifetime of pain and discomfort that is sure to follow.

When you are driving the busy Southwest Florida roadways, you don’t know which drivers are uninsured. There are plenty of them around you. In Florida, it’s estimated that about 20% of drivers are uninsured. The state ranked 6th in the country in 2019 for the number of uninsured drivers on the road. That means thousands of vehicles on the road at any given time with drivers behind the wheel who carry no insurance to protect you and your family.

Uninsured driver blog post

In addition, there were 36,096 traffic-related deaths in the U.S in 2019, according to the U.S. Department of Transportation. More than 3,000 of those were in Florida alone.

Unfortunately, the Sunshine State does not require a driver to carry insurance to protect you or your family (or anyone else) in the event you are injured in a car crash. All Florida requires is what is called “No-Fault” or Personal Injury Protection (PIP). This is a major problem for responsible drivers who find themselves the victim of a crash with an uninsured or underinsured driver.

It’s up to you to protect yourself. 

Uninsured driver protection

There are steps you can take to make sure you aren’t left with zero insurance to compensate you because a driver was uninsured.

1) Always select Uninsured Motorist coverage

2) Stack your Uninsured Motorist coverage if you have more than one vehicle.

This will provide coverage for you and your family so you won’t have to worry about how you will pay medical bills or buy a new vehicle if you are involved in a crash. You can focus on moving forward, knowing your livelihood is protected.

At Kagan Law Firm, we are often asked how much someone should spend on their auto insurance. The answer is always the same: Get as much insurance as you can afford. It is truly an area where you get what you pay for. 

If you are wondering if you are protected or if you’ve been involved in a crash and need help, Kagan Law Firm is just a phone call away. Call (239) 466-1161 to schedule a free consultation.

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