You need the minimum car insurance in St. Petersburg to drive your vehicle legally. However, many drivers still drive without insurance, which leaves them at financial risk. It helps to know what to do if you get into an accident with an uninsured driver, and how the coverage works.
How Uninsured Motorist Protection Works
Uninsured motorist protection is an addition to your insurance that compensates for at-fault uninsured drivers. This differs from underinsured motorists who don’t have enough liability. Most state policies require drivers to buy uninsured motorist insurance to a certain degree, normally written with two figures such as 30/50.
Uninsured motorist insurance includes bodily injury protection and property protection, which works the same as standard insurance. Bodily covers lost wages and medical bills for you and injured passengers, while property protection pays for damages to your vehicle and other property damaged in the accident.
Filing an Uninsured Motorist Claim
It can get tricky filing an uninsured/underinsured motorist claim, since many uninsured motorists commonly lack money or assets. However, that doesn’t mean it’s impossible to make a claim. You just need to act quickly.
Many states give drivers a time limit to file claims, usually 30 days. After an accident, you should get the other driver’s name, address, and phone number. If you didn’t get those details or they refused to give them, let your provider know regardless of fault.
It helps to have photos of the accident and witness testimony, especially after a hit and run. Get medical treatment as soon as possible, and keep records because your insurance company needs this information.
You don’t want to be the driver who gets sued for not having car insurance in St. Petersburg. Contact www.iinsure.com to browse plans and get a free quote.
