Motorist Uninsured Accident For Bodily Injury In Florida
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If this form requires notarization, complete it online through a secure video call—no need to meet a notary in person or wait for an appointment.
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FAQ
Uninsured motorist coverage is not mandatory in Florida, but having it provides you with another level of protection. If the other driver does not have insurance, you will not be stuck paying expenses out of your own pocket.
Unless an insured, or lessee having the privilege of rejecting uninsured motorist coverage, requests such coverage or requests higher uninsured motorist limits in writing, the coverage or such higher uninsured motorist limits need not be provided in or supplemental to any other policy which renews, extends, changes, ...
In Florida, UM insurance coverage has a minimum amount of 10/20, which means coverage starts at $10,000 per person and $20,000 per accident. You can include more coverage, but that will increase your premium. Depending on what you include in your coverage plan, your policy may not cover some damages.
Bodily Injury Liability (BI) If you have sizable assets, you should have more coverage. Recommendation: $100,000 per person/$300,000 per incident, minimum.
Under the California Financial Responsibility Act, Uninsured Motorist coverage is an important element in making certain that Californians are protected. Not only are medical bills, lost earnings and future losses recoverable, but other out of pocket expenses like home health care, babysitting, and personal assistance.
Bottom line… do not reject uninsured motorist coverage. Even if you feel you have great collision coverage and personal medical coverage, you will still be paying financially out of pocket and could be for a long time depending on how severe your or your passenger(s) injuries are.
Uninsured Driver Legal Consequences in Florida Drivers who lack legally mandated insurance coverage in Florida face steep fines. In the first offense, the fine may be up to $500. For a second offense, the maximum fine is $1,000.
If you have collision coverage as part of your auto insurance policy, it can be used to repair or replace your vehicle after an accident with an uninsured driver. However, this coverage is optional and not required by Florida law.
Getting in an accident with an uninsured driver in Florida when they're at fault adds another level of stress and frustration. What happens if someone hits you without insurance in Florida? In most cases, your insurance will cover an accident with an uninsured motorist in Florida.
