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If an individual or family is involved in a car accident caused by an uninsured driver that does not carry bodily injury insurance and they do not have uninsured Motorist insurance, they may be unable to meet the financial strain of future medical bills and lost wages. Health insurance and Personal Injury Protection (PIP) will only cover a fraction of the costs attributed to that accident, and will never acknowledge or cover the future damages that go hand-in-hand with a lifelong disability and the pain and suffering that comes with it. Continue reading
prREACH
Nov 07, 2017 /prREACH/ -- Welcome to Miami, the city in which the white sands go on for miles along with crisp blue oceans, the seagulls fly free, and drivers drive without car insurance. Miami is one of the highest ranking cities in the United States for uninsured drivers. In fact, in Florida a person can register their automobile without providing actual proof of insurance. All that is required is simply writing down the name of an insurance company. Florida law only requires property damage and personal injury protection benefit (PIP) coverage without bodily injury insurance. This means if a careless driver crashes into ones vehicle and injures them, their insurance will only pay for the damage to the car, and oftentimes only up to $10,000.
This also means that if someone is in a car accident caused by an uninsured or underinsured driver, the injured parties are left to pursue their claims for personal injuries against the individuals themselves. Are Miami drivers at the mercy of uninsured drivers? Are there options?
The professionals at Jeffrey R. Davis, P.A. are advising their clients that they should always purchase Uninsured Motorist (UM) automobile insurance. Uninsured Motorist (UM) or Underinsured Motorist (UIM) automobile insurance is the only option available to cover the carelessness of an uninsured motorist.
If an individual or family is involved in a car accident caused by an uninsured driver that does not carry bodily injury insurance and they do not have Uninsured Motorist insurance, they may be unable to meet the financial strain of future medical bills and lost wages. Health insurance and Personal Injury Protection (PIP) will only cover a fraction of the costs attributed to that accident, and will never acknowledge or cover the future damages that go hand-in-hand with a lifelong disability and the pain and suffering that comes with it.
Florida drivers are at risk every day, states Jeff Davis of Jeffrey R. Davis, P.A. He goes on to say that insurance companies do not always advertise their underinsured motorist insurance protection for various sinister reasons. One such reason is they are aware of the tremendous exposure associated with Florida’s vast uninsured motorist population. Second, it is not as profitable an insurance product as others they can sell. Finally, agents that sell insurance want to keep their loss ratio low, and uninsured motorist coverage makes a policy more vulnerable to claims. Jeffrey R. Davis, P.A. considers it a responsibility to make the public aware of this type of insurance coverage that can benefit them in the future.
For more information on Jeffrey R. Davis, P.A. and their views on Underinsured Motorist policies and much more, be sure to call 305-577-3777 or visit them at www.jeffdavislaw.com.
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