Dealing with an auto or truck accident can be stressful

TAMPA, Fla. – Every year in Tampa, and throughout Florida, motor vehicle accidents cause millions of dollars in damage, as well as medical costs and lost wages. While car and truck insurance is designed to help accident victims cover those costs, when an at-fault driver is uninsured or underinsured, the financial outcome can be disastrous for the victim and their family.

In Florida, there are requirements for basic insurance that every driver must have in order to legally operate a vehicle, including $10,000 in Personal Injury Protection coverage, or PIP. Unfortunately, in today’s world, $10,000 doesn’t go very far when it comes to covering the costs associated with an accident; even a single emergency room visit can exceed $10,000 when doctor consultations, medical tests and diagnostic imaging costs are included. That doesn’t even begin to consider the costs of any short-term or long-term physical therapy that may be needed.

Even worse, many drivers don’t bother to carry any insurance, which means the victim will be forced to pay for their complete treatment. While taking the driver to court is certainly an option, many uninsured drivers have few, if any, appreciable assets, which means there’s very little to collect against. In the end, the victim may be left with substantial and even devastating medical costs in addition to loss of wages and property damages.

Fortunately, there is a solution: As a driver in Florida, you can buy your own insurance to protect yourself in case of an accident involving an uninsured or underinsured motorist. Aptly called “Uninsured/Underinsured Motorist Insurance,” these policies are designed to cover medical bills, lost wages and pain and suffering if/when it is proven that the other driver does not have insurance, or does not have adequate insurance to cover the costs associated with accident-related injuries.

Dealing with an auto or truck accident can be stressful even when no injuries are involved; but when injuries do occur, the costs can be significant and the stress greater than you can imagine. Adding Uninsured/Underinsured Motorist coverage to your policy is one way to help protect yourself against the costs of an accident and help ensure you don’t end up in financial ruin.

If you’ve been involved in a car or truck accident, you need to be sure your rights are fully protected, even when the other driver seems to have adequate insurance. Don’t take chances. Contact the Baird Law Group today at 813-849-2679