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Insured Driver Tired of Paying for Uninsured

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Posted on August 23, 2013

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 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.

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