Florida Ranks Among Highest States in Uninsured Drivers
Updated: Aug 29, 2017
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.
*Source: Insurance Research Council