What Happens If the At-Fault Driver Has No Insurance in Jupiter?

When the at-fault driver has no insurance, your own Uninsured Motorist (UM) coverage becomes the primary source of recovery for bodily injury. Florida law requires insurers to offer UM coverage if the insured purchases bodily injury coverage, and many policies include it. A lawyer can help identify every available policy and pursue the full UM benefits.

How Uninsured Motorist Coverage Works

UM coverage steps in when the at-fault driver has no liability insurance or cannot be located (hit-and-run). It can pay for medical expenses, lost wages, and pain and suffering up to your policy limits, subject to the terms of your policy.

Underinsured Motorist Coverage

In Florida, if the at-fault driver has insurance but the limits are too low to cover your damages, Uninsured Motorist coverage may provide additional recovery. Your uninsured motorist coverage is secondary to the at-fault driver’s bodily injury coverage

Other Possible Sources

In some cases, household policies, employer policies, or other third parties may provide coverage. A thorough investigation is required.

FAQ

Is UM coverage required in Florida?
Insurers must offer it, but you can reject it in writing. Many drivers still carry it.

What if I rejected UM coverage?
Recovery options become more limited, but other potential sources should still be examined.

How soon should I notify my insurance company?
Promptly. Most policies require timely notice of a UM claim.