This form for use in litigation against an insurance company for bad faith breach of contract. Adapt this model form to fit your needs and specific law. Not recommended for use by non-attorney.
Accident With Uninsured Motorist In Florida
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Given the high prevalence of uninsured and underinsured drivers in Florida, uninsured motorist coverage is crucial for ensuring adequate financial protection.
Policy limits: Uninsured motorist coverage comes with limits, just like other insurance coverages. Severe accidents might exceed these limits, leaving you with uncovered expenses. Claim disputes: There might be disputes over the extent of your coverage and the amount you can claim, leading to potential legal battles.
Getting in an accident with an uninsured driver in Florida when they're at fault adds another level of stress and frustration. What happens if someone hits you without insurance in Florida? In most cases, your insurance will cover an accident with an uninsured motorist in Florida.
Underinsured motorist coverage—which makes up the difference between your total damages and the other driver's coverage. Collision coverage—which covers damage to your vehicle when you're in an accident with an uninsured driver or a hit-and-run driver.
It may be better to file a claim with your own insurance company if you have uninsured motorist coverage. Unless the at-fault driver is stable financially or has well-off parents or guardians and can afford to cover your damages in full, you may want to avoid the unnecessary trouble of suing.
California law prevents insurance companies from increasing your rates for accidents where you are not considered principally at fault.