Florida is full of interesting places for tourists to visit, and that could be part of the reason why there are so many traffic accidents there. People unfamiliar with the roads and traffic laws combine with heavy traffic and make for the perfect conditions for a crash.
Floridians have higher insurance rates as a result of those collisions. Between 2017 and 2018, the average insurance premium went up by approximately 10% to an alarming $2,050 yearly. This is a problem, because such high rates mean that there are many drivers who are on the roads without insurance.
Florida also maintains a no-fault insurance system for its drivers. The no-fault coverage pays for the insured party’s medical bills after an accident regardless of fault, which limits lawsuits significantly. When people don’t carry insurance, they risk spending thousands out of their own pockets for medical care. However, the most basic insurance only provides $10,000 in coverage, which is not much considering the cost of medical coverage today.
If you are traveling to Florida from another state, it’s a good idea to make sure you have sufficient auto insurance coverage in case you get into a collision on your vacation. You want to make sure you have uninsured or underinsured motorist coverage specifically, so that you don’t end up facing high bills that you have to pay as a result of another person ignoring the need for auto insurance. Your attorney can help you if you’re hurt in Florida and are in a crash with a driver who was not carrying insurance at the time.