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When the at-Fault Driver Has Little or No Insurance

Michael P. Maddux, P.A. Team
Florida bodily injury insurance infographic explaining why UM coverage protects you when the at fault driver has no liability insurance.

Reviewed by Michael P. Maddux, Esq. | Board Certified Criminal Trial Lawyer | Florida Super Lawyer for 16 Consecutive Years

One of the most frustrating discoveries accident victims face in Florida is learning that the driver who caused the crash does not carry bodily injury insurance. Many people assume this type of coverage is mandatory, but Florida law does not require drivers to carry it.

As a result, even when another driver’s negligence clearly causes serious injuries, there may be little or no insurance available to cover medical bills, lost wages, and other damages. This can leave injured individuals struggling to recover financially after an accident.

This is why uninsured or underinsured motorist (UM) coverage is so important. UM coverage on your own policy can step in to help cover your losses when the at-fault driver does not have enough insurance to fully compensate you.

Understanding your coverage before an accident occurs can make a significant difference in protecting yourself and your family.

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