Drivers in Pembroke Pines, FL are not legally required to carry uninsured or underinsured motorist coverage, but it is often one of the most important parts of an auto insurance policy. Florida is a no-fault state, which means your own insurance pays first for certain medical expenses after an accident, regardless of who caused it. However, no-fault coverage has strict limits. If you are seriously injured by a driver who has no insurance or very low limits, those costs can quickly exceed what your policy provides. H&H Insurance Agency Inc. can help ensure you have the right coverage in place to protect yourself in these situations.
High Rates of Uninsured Drivers in Florida
Despite having mandatory insurance laws, Florida consistently ranks among the states with the highest percentage of uninsured drivers. A significant number of motorists operate their vehicles without insurance. If one of these drivers causes an accident, they often lack the financial resources to pay for vehicle repairs or medical treatment.
Florida also does not require most drivers to carry bodily injury liability coverage. Even when an at-fault driver does have insurance, their policy limits may be too low to cover serious injuries. Medical costs can add up quickly, and a single emergency room visit can easily exceed tens of thousands of dollars. Uninsured or underinsured motorist coverage can help pay for medical bills, lost wages, and other damages when the at-fault driver’s insurance is not enough.
Protection for Hit-and-Run Accidents and More
If a driver hits your vehicle and leaves the scene, the accident is typically treated as an uninsured motorist claim. In these cases, uninsured motorist coverage may be your primary source of compensation beyond your basic no-fault benefits. Many policies require evidence, such as a witness statement, dashcam footage, or physical damage, to support a hit-and-run claim.
This coverage can also protect you outside of your vehicle. If you are injured by an uninsured driver while walking or riding a bicycle, uninsured motorist coverage can help pay for your injuries. It may also apply if you are a passenger in a friend’s vehicle that is struck by an uninsured or underinsured driver.
H&H Insurance Agency Inc. can help you review your auto insurance policy and make sure you have the proper coverage. Contact our Pembroke Pines, FL office to learn more.
