I was in a car accident. Who pays for what?

September 30, 2016


When you’re in a car accident, insurance, and who pays for what,  gets complicated fast. The auto insurance coverage you have, the coverage the other party has (if any), and who is at fault, dictates what you are able to recover for both your medical treatment, and as compensation for damages sustained as a result of your injuries. For example:

Did you know that if you are in an auto accident that is not your fault, and the at-fault driver doesn’t have Bodily Injury (BI) auto insurance: 

  • Paying for any additional medical expenses stemming from your accident falls back on you and any private health plan you may have
  • If there are no sources of insurance to recover compensation for your injuries from, then all you can recover are your medical expenses


Did you know that the State of Florida does not require drivers to carry BI insurance, and that a good number of Florida drivers don’t have it? 

Did you know that UM (Uninsured/Underinsured Motorist) auto insurance protects you in this situation? Your UM policy would pay for any extra out of pocket medical expenses and provide compensation for your injuries and pain and suffering. UM coverage is well worth the money and we highly recommend having it, along with Bodily Injury, for when the situation is reversed.  

 As an attorney who deals with accident victims and insurance companies every day, if you are injured in an accident, I can make sure you are receiving the maximum benefit from whatever insurance is available to you. For a free consultation please call 407-251-1200 or email sid@sidroman.com.

Better Call Sid! 

(407) 251-1200


Florida ranks among highest states in Uninsured drivers 

October 20, 2016


Florida ranks second among all states for uninsured drivers with 23.6% of Florida drivers being uninsured*. If you are in an accident, chances are pretty high, 1 in 4, that the other driver will be uninsured. However, you can protect yourself against this risk by carrying Uninsured/Under-Insured Motorist (UM) coverage as part of auto insurance policy. 


When you are in an accident where you are not at fault, and the at-fault driver doesn’t have insurance, your UM insurance kicks in to cover any additional or excess medical expenses not covered by  your PIP, and if warranted, to provide you with compensation for any damages resulting from your injuries. 

Moreover, if you’re hit by an uninsured driver and you don’t carry collision or uninsured motorist coverage, you would have to pay your own repair bills or go after the at-fault driver in court personally.


As an attorney who deals with accident victims and insurance companies every day, I can make sure you are receiving the maximum benefit from whatever insurance is available to you, even if you were hit by an uninsured motorist.
 For a free consultation please call 407-251-1200 or email sid@sidroman.com.

*Source: Insurance Research Council