Although Florida law requires drivers to maintain minimal vehicle insurance, not every vehicle owner or driver meets this requirement. As a result, if you or a family member have been involved in an auto accident, the term uninsured motorist coverage may be new for you. Our Melbourne, Fl attorney, Andrew Pickett, wants you to understand your insurance rights.
Uninsured Motorist Coverage in Melbourne, Fl
When you purchase a vehicle, typically your next step is to purchase liability insurance. This insurance helps protect you and others if you are involved in an auto accident. However, approximately one-quarter of drivers in Florida do not have any vehicle insurance coverage to protect themselves or you if an accident occurs. Insurance companies provide uninsured motorist coverage to protect yourself in the event the driver that hits you does not have insurance. For example, if you are the victim of an auto accident, and you are not at fault, then the other driver’s insurance covers accident expenses. These can include damages to your vehicle and medical expenses. Automobile insurance provides peace of mind for drivers on the road.
If you are a victim of an auto accident, and you are not at fault, and the other driver does not have insurance, you are left to pay for repairs and medical expenses on your own. This can be financially challenging depending on the extent of the accident. In this circumstance, uninsured motorist coverage protects your financial strain by covering accident-related expenses such as:
- Vehicle repairs
- Car rental
- Pain and suffering
- Medical expenses
- Lost wages
Underinsured motorist coverage also protects you when the other driver has insurance coverage, but the insurance limits are less than the damages.
Florida Uninsured Motorist Coverage
The State of Florida allows motorists to opt-out of uninsured motorist coverage. Our Melbourne attorney, Andrew Pickett, advises you on the types of insurance to maintain. Auto accidents happen unexpectedly and can dramatically change your life. Uninsured motorist coverage protects you and your family from financial strain following a collision. Andrew Pickett helps you speak with your insurance company to determine if your policy has adequate coverage. We help ease your concerns and reduce future financial worries. If you have been involved in an auto accident and are dealing with a driver who does not have insurance, Andrew assists you when you need to file a claim against another driver or the insurance company. You do not have to sort through the paperwork alone or pay out-of-pocket for repairs. Let Andrew review your policy and help guide you on the best, easiest, and most financially responsible way to proceed.
Contact Your Melbourne, Fl Attorney Today
Andrew Pickett Law is a team of qualified fighters. We advocate for you when you are struggling to understand insurance concerns following an accident. Let us handle the paperwork, discussions with insurance companies, and dealings with the other driver or drivers involved in the collision. We understand you need this time to heal from the incident and are here to reduce your stress. Andrew Pickett Law in Melbourne fights for our community neighbors and strives for justice. Our team works quickly and efficiently to help you process insurance claims involving drivers who are uninsured. We are here to guide you through the types of uninsured motorist coverage you can add to your existing insurance policy.
There are many benefits of maintaining uninsured motorist coverage. These include payments for vehicle repairs, medical expenses, a rental car when you need to work and attend life events, lost wages, and possible pain and suffering. Uninsured motorist coverage also protects you when you are walking or cycling and are hit by an uninsured driver. Andrew Pickett and the legal team at Andrew Pickett Law will further explain the benefits of keeping uninsured motorist coverage. We explain your rights if you have been involved in an accident when the other driver does not have insurance coverage. We are ready to help you, so please contact us today.