A study conducted by the Insurance Research Council estimated that starting in 2010 approximately one out of every six drivers is driving their vehicles without any level of insurance coverage. Considering that all but one state, New Hampshire, requires every driver to have a minimum amount of liability car insurance coverage, and understanding accidents are unpredictable, this is an extremely unsettling discovery. It clearly indicates that on any ordinary day, every driver encounters several hundred uninsured motorists on our roadways.
Even with strict laws in place, and enforced, non-compliance is still a huge issue based upon the Insurance Research Council’s study. Regardless of the penalties an uninsured motorist might incur, these penalties do little to protect you if you are injured and your automobile is totaled due to the negligent and careless acts of someone else. The penalties will not pay your medical bills, rehabilitation, prescriptions, loss of work, your mortgage, or rent, nor repair or replace your damaged or totaled vehicle. In a huge majority of cases, if a driver does not carry liability insurance, they are highly unlikely to have enough assets to assist in paying for any damages.
Uninsured Motorist Coverage:
- Pays when you’re hit in a hit-and-run accident.
- Pays for loss of income when your injuries prevent you from immediately returning to work.
- Pays for medical bills related to the accident and prevents a claim from being filed against your health insurance coverage.
- Pays for pain and suffering.
It’s obvious that the benefits of Uninsured Coverage far out-weigh the cost involved, and you will have additional peace-of-mind knowing that you and your family are in a better financial position if you are involved in an accident caused by someone else.
Spring Hill Uninsured Motorist Lawyer
Bryan Caulfield is a highly respected and well-known Spring Hill uninsured motorist lawyer with the knowledge and determination to pursue fair and just financial compensation for you and your loved ones. Contact our Florida offices today for a free consultation.