Uninsured Motorist Auto Insurance Florida

Reader’s Question:

My car here in Florida got damaged during a collision, unfortunately the one who rammed into my vehicle does not have car insurance, what can I do now?

Kenji

Boca Raton, FL

That is unfortunate but if your auto insurance coverage has an Uninsured/ underinsured motorist coverage then this should take care of the damages or the necessary replacement and reimbursement for your vehicle. For those not familiar with this kind of car insurance coverage, an Uninsured/ Underinsured basically provides coverage for damages your car gets, as well as injuries you sustain in an auto accident and the other party is at-fault. You can use this to cover the difference on your expenses along with your comprehensive or collision coverage. This is definitely a type of auto insurance that everyone should consider getting.

If you have full coverage auto insurance then this should not be a problem. The reason you got car insurance in the first place is because of these scenarios. If you don’t have this kind of coverage under your policy, you could choose to go to court and have a judge there in Florida decide on how the at-fault party would need to compensate you properly. Also, don’t forget about your collision coverage since this may already provide enough money to pay for the damages or replacement of your vehicle. It would be very important to consult an agent with your auto insurance carrier immediately regarding this matter so you can take the right course of action immediately. Your carrier should be able to file the claim against the other party for you and advise you appropriately.