What If An Uninsured Or Hit-And-Run Driver Injures You? Be Prepared Before It Happens!

Far more people are driving around the Florida sun coast as ticking time bombs. No insurance, no license or DUI history, whatever their reasons, we have more than our fair share of uninsured and hit-and-run drivers.

With a tumultuous year of high inflation, many needed to cut back on things but cutting back on your auto insurance policy could be a costly mistake.

In an ideal world, every driver on the road would be responsibly insured. Unfortunately, we're far from that reality, especially here in Florida. Facing an uninsured or hit-and-run driver can not only result in physical injuries but also significant financial strain.

The Short Answer Protections From Hit and Run Or Uninsured Drivers

While we hope you never find yourself in a situation involving an uninsured or hit-and-run driver, being prepared is your best defense. Understanding your insurance coverage, opting for UM/UIM protection, and knowing how to respond after an accident are essential steps in protecting yourself financially. Remember, All Injuries Law Firm is here to support you every step of the way.

Being prepared ahead of time with the insurance coverage, is the best way To protect yourself and your loved ones from such unforeseen circumstances.

1. Understand Your Insurance Policy Limits And Coverage

The first step in protecting yourself is to thoroughly understand your current auto insurance policy. Many drivers opt for the minimum liability coverage required by law, not realizing it doesn't cover damages to themselves when hit by an uninsured driver. Comprehensive and collision coverage can fill in some gaps, but the key player here is Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage. This coverage is specifically designed to protect you if you're injured by a driver who lacks adequate insurance or flees the scene.

2. Consider Adding Uninsured/Underinsured Motorist Coverage:

If you don't already have UM/UIM coverage, now is the time to consider adding it to your policy. This coverage acts as a safety net, covering medical bills, lost wages, and even pain and suffering that result from an accident with an uninsured or inadequately insured driver. While it's an additional cost, the financial protection it offers can be invaluable in the event of an accident.

3. Know What to Do After an Accident:

If you're involved in an accident, especially with an uninsured driver or in a hit-and-run situation, knowing the proper steps to take can significantly impact your ability to receive compensation. Ensure your safety first, then call the police to report the accident. Gather as much information as possible from the scene, including photos, the contact information of any witnesses, and a detailed account of what happened. This information will be crucial for your insurance claim and any legal action you may need to take.

4. Legal Support Is Available:

Navigating the aftermath of an accident with an uninsured or hit-and-run driver can be overwhelming. At All Injuries Law Firm, we specialize in helping victims of such accidents. Our experienced team can guide you through the process of filing a claim, negotiating with insurance companies, and, if necessary, pursuing legal action to ensure you receive the compensation you deserve.