Uninsured Motorist Accidents in Southwest Florida: What Are Your Options?
Getting hit by an uninsured driver can be overwhelming. Learn your options for recovering compensation after an uninsured motorist accident in Southwest Florida.
Understanding Uninsured Motorist Coverage
Uninsured motorist (UM) coverage is optional in Florida but highly recommended. It protects you if you're injured by a driver who has no insurance or not enough to cover your damages.
What to Do After an Accident
Call the police and report the accident. Gather as much information as possible, including the other driver's contact details and any witness statements. Notify your insurance company right away.
Filing a UM Claim
To file a UM claim, you'll need to provide evidence of the other driver's lack of insurance and proof of your injuries and damages. Your insurance company will investigate and may offer a settlement.
Legal Help for Uninsured Motorist Claims
If your insurer denies your claim or offers less than you deserve, a personal injury lawyer can help you negotiate or take legal action to recover full compensation.
Sources
Florida Office of Insurance Regulation – Auto Insurance. Insurance Information Institute – Uninsured Motorist Coverage.
