Auto Accidents and Uninsured Motorist Coverage

Have you been injured in an auto accident due to someone else’s negligence? Does the other policy involved have insurance? While having car insurance is legally required in some states, not all drivers adhere to this rule. It may benefit you to look into uninsured motorist coverage.

Uninsured motorist coverage is an optional feature that can be added to your insurance policy, serving as a vital safeguard in the event of an auto accident with a driver who either lacks insurance entirely or carries insufficient coverage. Suppose you have been injured in an auto accident due to a negligent driver. In that case, having uninsured motorist coverage may offer peace of mind while also assisting in paying for your medical expenses, lost wages, and other damages. Depending on the damage from your injury, your PIP coverage may need additional funds to assist with medical and other expenses.

According to ValuePenguin, about 20% of Florida drivers are uninsured due high costs. Forbes states “Florida ranks second on a list of least-affordable states for auto insurance”. While there is a fine for being uninsured and a suspended driver’s license, many still go without insurance. Forbes mentioned a study by the Fines and Fees Justice Center (FFJC) where it is stated “People are forced to choose between driving illegally . . . or . . . losing the ability to pay the court debt that triggered their suspensions in the first place”.


If you’ve been injured in Florida or Georgia due to someone else’s negligence, call Barnes Cohen & Sullivan at (904) 396-5181 for a free consultation.