If you’re a pedestrian and you have been hit by a car, I think one of the first things you worry about is “who’s going to pay for this claim that I have.” We always look to the driver who caused the accident first and determine whether or not they have bodily injury liability insurance. Obviously, they are at fault, they are responsible, so they should pay. But the reality is, a big percentage of Florida drivers don’t have this insurance on their policy and many of them don’t have insurance at all. Even if they do have insurance it may not be enough to pay the entire value of your claim.
So, the next thing to do would then be to look at your own auto policy and find out if you have uninsured motorist insurance. If you have a claim that is worth $100,000 for instance, and the person who caused the accident has only a $10,000 liability policy, they’re $10,000 would be paid first and then we would look to your auto policy and hopefully you would have enough uninsured motorist to cover the $90,000 to make the full value of your claim.
Uninsured Motorist coverage is an important part of anyone’s auto insurance policy. If you don’t have it, I urge you to get it immediately and if you do have it, I recommend you increase it if you can.
If you are involved in a pedestrian accident, contact us and find out how we can help.