Why Florida is One of the Worst States to Get in a Car Accident
Every time a driver gets into their car, they know that the roads have the potential for danger. However, no one anticipates another car colliding with them. Unfortunately, you cannot control the actions of another driver. Regardless of how careful you are, someone else’s mistake can end up costing you. That is because Florida has a lenient insurance requirement that makes it difficult to protect auto accident victims. According to a new research released by WalletHub, Florida is one of the worst states in which to get involved in a car accident.
Statistics place Florida as the second worst state when it comes to auto insurance. Even if you drive carefully and follow the rules of the road, and another uninsured driver hits you, you may be liable to pay an extensive amount in damages. Because you need to report a crash incident to your insurance, you also run the risk of having your insurance rate increase. That is because Florida is a state with one of the most lenient insurance policies.
Florida requires all drivers to have an insurance policy that includes personal injury protection (PIP) for up to $10,000. They must also have property damage protection for $10,000. PIP covers expenses accrued because of injuries sustained from the wreck, regardless of who was at fault.
PIP includes coverage for things such as:
- Medical expenses
- Child care expenses
- Funeral expenses
- Lost income
However, when the other driver involved in the accident does not have insurance, it can make the experience expensive as well as painful. That is because you will need to look to your own insurance company to recover damages and losses. This will increase your rate and sometimes, you may have to pay out of your own pocket.
The rate of uninsured drivers in the nation ranges from 3.9% to 25.9%, with Florida having 23.8% of drivers without insurance. Considering the state has over 13 million licensed drivers, the high rate of uninsured drivers puts everyone at risk. According to Florida’s Integrated Report Exchange System, there were a total of 373,524 crashes in 2015, with 243,004 resulting in injuries and 211,284 in property damage. Currently, in 2016, there have been 39,544 of total crashes. 25,126 of the accidents included injuries and 22,877 incidents resulted in property damage. Statistics of car crashes show an increase in accidents.
Given the auto accident trends in the state, driving in Florida can be bad for your wallet. If you are involved in a crash, you have enough to worry about without having to think about whether or not the other person is insured. However, that concern can be very real for drivers. At The Pittman Firm, P.A., we believe others should be responsible for their actions. If you were injured in a car accident, you may be eligible for compensation. Contact our Panama City auto accident attorneys today to learn about your legal rights. We can help protect your rights. We get to know our clients, so that we can effectively present their case. Call today to schedule a free consultation.