A clause that is found in most United States automobile insurance policies is the uninsured motorist clause. This clause is a policy that states that a driver can receive damages for any injury he or she may receive due to an uninsured and negligent driver.
What Does Uninsured Motorist Insurance Cover?
Uninsured Motorist insurance covers injuries and medical expenses that arise due to an accident that was the fault of the uninsured motorist, or the motorist whose insurance doesn’t cover what it is needed. The coverage is in place to protect you if you are involved in an accident with an at-fault driver that does not carry sufficient auto insurance or liability insurance.
Uninsured Motorist Coverage in Florida
In Florida, we recognize a no-fault insurance system which requires that every driver carries Personal Injury Protection (PIP) which can then compensate the insured driver for medical treatment regardless of who is found to be at fault of the accident.
PIP only covers the cost of medical treatment, lost wages, and other incidental costs that are involved with the medical expenses. PIP does not compensate for any pain and suffering endured due to the accident,... read article