Do You Have Enough Auto Insurance Coverage In Florida?
Brian O Sutter
Insurance Laws
Most Port Charlotte citizens do what they must to drive. They buy vehicles and maintain them to make the roadways safe for everyone. Lots of people also purchase auto insurance. It protects them and others financially in the event of a crash, paying for injuries and property damage. Of course, coverage is also required by law. Hence, some motorists only get it for that reason.
Regardless of why you chose to obtain a policy, you might want to review it now to ensure you have enough coverage, particularly when it comes to uninsured/under-insured drivers. Can you even imagine? You get into a wreck with someone who has insurance. However, their plan will only pay so much, and not a cent more, even though your damages are way more costly than that.
Plenty Of Uninsured And Under-insured Motorists In Port Charlotte
Although many of us would like to believe that every Port Charlotte driver is adequately insured, that isn't always true. In fact, research shows that Florida was the sixth highest state in 2019 for uninsured motorists at 20.4-percent. Hence, with a figure like that, it's easy to see how the teen at the stop sign, the person sitting at a red light, or anyone else could be uninsured in the area.
Why Should You Be Worried?
Sure, you can file a lawsuit against the other driver to seek compensation for your damages. However, that could turn into a time-consuming ordeal, and that may be fine in the long-term, but what about now? The mechanic is going to want to be paid for the radiator and fan replacement. And don't forget about the body shop. It needs to be paid $2,500 or so to install a new bumper, grille, and lights on your ride. Then, there are all those medical bills piling up too. You've had to see a doctor to treat whiplash, a broken arm, and a fractured leg.
Unfortunately, these people aren't going to want an IOU. Therefore, you'll need money to cover the expenses. If you are one of the lucky ones who has a ton of cash in a savings account, that's great. You can probably afford to pay for everything right now out of pocket. But not everyone is that lucky and living paycheck to paycheck is in the cards for many Port Charlotte residents.
Regardless of your financial standing, if you can afford additional uninsured motorist coverage, that could be a sound investment. Without enough coverage, you could be left floating huge repair and recovery bills on your own. Even if you eventually get compensated for the money you spend, spending it can cause you grief in the short term.
Do You Need An Accident Attorney?
You might be entitled to compensation for your damages if you're injured by someone's negligence in Port Charlotte. If you choose to go this route, you'll need to prove that the other party was negligent or reckless in some way., but that can be easier said than done, to say the very least when going it alone. Thankfully, if you live in Port Charlotte or a surrounding area, you don't have to represent yourself.
Instead, get in touch with All Injuries Law Firm, P.A., to put a reputable personal injury attorney in your corner. First things first, though. Anyone reading this that hasn't been in an accident recently, that doesn't mean one isn't right around the corner, and it could be with an uninsured driver. So, take the time to check your coverage. If you're good with it, that's great, but if not, be sure to increase the uninsured coverage amount. That could save you a ton of grief in the long.