Should You Get Uninsured/Underinsured Coverage In SW Florida?

Driving a car is typically easy enough, and the trips often do not include any hiccups. However, that isn't always the case. Sometimes, SW Florida motorists mess up behind the wheel. They make mistakes, which can frequently be considered negligent. For instance, maybe a person decides to check a text message that came through on their phone. They look away from the road ahead, miss the pedestrian legally using the crosswalk, and strike them.

Then again, an individual might be drowsy and doze off while driving, only to drift into another lane and hit a car on its side. There are probably like a million different mishaps that can happen on the roadways. The question is, "Will you be in the wrong place at the wrong time when somebody does something that leaves you seriously hurt?".

Property Damage And Auto Accidents

Nothing good ever comes from car crashes. People's cars often get damaged and end up needing bodywork. Meanwhile, on other occasions, components get busted, leaving vehicles inoperable. Then, it's usually time for expensive repairs. For instance, if the engine gets banged up and can't be fixed, it will need to be replaced. Research shows consumers who let local shops complete these tasks should expect to pay $5,000 at a minimum.

Bodily Injury And Car Crashes

But, of course, there is also the injury aspect of auto accidents. The types of ailments people receive in incidents vary, but common issues include:

• Traumatic brain injury
• Partial and full paralysis
• Fractures and broken bones
• Muscle strains pulls, and tears

Obviously, these things barely scratch the surface because car crashes are violent and chaotic. As such, the types of injuries people sustain in them go on and on. So, don't let a different kind of ailment you receive in an accident surprise you.

No Insurance Or Not Enough Coverage

Even though drivers are required by law in most places. In fact, the only two states that don't necessitate coverage are Virginia and New Hampshire. Therefore, people operating motor vehicles in SW Florida should be insured. Unfortunately, that's not the way things work out sometimes, though. Instead, many individuals get behind the wheel in the area with no insurance policy.

Others abide by the law and obtain insurance. However, they don't always get the correct coverage limits. If you get hit by an uninsured or underinsured driver, that might spell trouble for you. That's because you could be stuck paying for the costs to fix damages and injuries yourself. Can you even imagine? Somebody else is responsible for your problems, but you'd have to spend your hard-earned cash to get everything back on track. Nothing about that would be good. So, why not do something to keep this dilemma at bay?

Obtain Uninsured/Underinsured Coverage

If you do not wish to be responsible for property damage and bodily injury costs following a crash with an at-fault driver who isn't insured or doesn't have the appropriate coverage levels, contact your insurer to discuss adding uninsured/underinsured coverage to your policy. Then, whenever a catastrophe occurs, rather than being left all alone, your insurance company will have your back. Sure, you may have a deductible to meet first, depending on your plan, but once you fulfill that obligation, the insurer will take care of the rest. And if you have a no-deductible policy,

Contact An Attorney From All Injuries Law Firm

Have you recently been injured in an accident with an uninsured or underinsured motorist that was at-fault? It may seem like the end of the world if they don't have coverage or the correct coverage limits, but all might not be lost. You may have the grounds to seek compensation. Contact a lawyer from All Injuries Law Firm, P.A., to schedule a free consultation and see where your claim stands today.