Florida has one of the highest rates of drivers without auto insurance in the country – nearly one in four, according to the Insurance Information Institute. That doesn’t include the significant portion of drivers who are also woefully underinsured, meaning they don’t carry enough coverage to pay for damages in the event of a significant collision.
We often talk about this problem in terms of what it means when an insured driver is struck by an uninsured driver. In these cases, insured drivers must often rely on uninsured/underinsured motorist coverage from their own insurer.
However, when an uninsured driver is struck by an insured driver, the process is slightly less complicated, so long as the uninsured driver is not at-fault. He or she may receive a citation for driving without insurance. After all, it is against the law. But in these instances, the insured, at-fault driver’s coverage should kick in to pay for coverages of injury and property damage.