According to the
Sun-Sentinel, a 35-year resident of South Florida is upset because she has been rear-ended
twice by drivers with no insurance. She told the paper that it is time
to take action to prevent incidents like this from taking place.
“They are out there, and they are going to hit you and injure you.
We, the citizens who live by the rules and laws, are paying for it,”
she explained to the paper.
Earlier this year, an
Insure.com analysis found that Florida auto insurance rates are a bargain compared to other
states. Its average annual premium of $1,364 resulted in a 2013 state
ranking of 34th, below the national average of $1,510. But rates may have
been even lower if there were less uninsured drivers.
The Sunshine State was ranked among the highest uninsured motorist rates
in the U.S. in a study by the
Insurance Research Council released a few years ago. The IRC reported that approximately 23 percent
of Florida drivers are uninsured, the fifth highest percentage of uninsured
drivers in the nation. Researchers predicted that this rate would likely
increase in the future with the economic downturn.
Uninsured motorist coverage is not required by law, but it may be worth
considering, especially if you’re worried about getting into an
accident with an uninsured or underinsured driver. UM coverage can pay
for expenses such as
medical bills, lost wages, and pain and suffering.
If you have been injured in an accident with an uninsured or underinsured
driver that was at fault, it may also be wise to consider contacting a
qualified personal injury attorney to discuss your legal rights.