Most of us believe that to drive in the U.S., we have to have auto insurance, according to the San Francisco Chronicle. Although most states require insurance, one study found that one in every seven drivers does not have coverage.
There is a one in 16 chance that any of us could get into an auto accident in any given year.
Having insurance is supposed to make you feel safer, especially if the accident is not your fault. You may think that you will not have to pay out of your pocket or that your insurance rates will not go up.
Twelve states currently are considered no-fault states, and Florida is one of these twelve. No-fault laws do not apply to property damage, which may be paid by either party’s insurance, but it does mean that medical payments are paid from your own insurance.
Florida only requires medical coverage for $10, 000 per person and $20,000 per accident. In a serious accident, these costs can far exceed such limits.
The bottom line is that you need to make sure that you have enough auto insurance to cover any damages that you would incur as a result of an accident. Also make sure that you have uninsured motorist protection.
Have you or someone you know been injured in a Florida car accident?
The Florida and Miami car accident lawyers at Steinger, Iscoe & Greene may be able to help.