If you intend travelling to Florida and hiring a car as many British tourists do each year, you may not know that in Florida there is no legal requirement for drivers to carry personal injury cover or what the Americans call Bodily Injury coverage. A driver in Florida need only carry $10,000 of insurance which is intended to cover their own medical expenses and is not for the benefit of those that they may hurt.
It follows that if you hire a car in Florida and you are involved in an accident that is your fault, the insurance that you purchased may not cover a personal injury claim brought against you and you could find yourself personally liable for the damages awarded against you.
It also follows that if you are involved in an accident that is not your fault and you are injured, the driver at fault may not have adequate insurance cover to compensate you for your injuries.
At Hilary Meredith Solicitors Ltd, we strongly recommend that you purchase what the Americans refer to as underinsured/uninsured motorists coverage when you hire your car as this should pay out if you are injured in an accident that is not your fault and the at fault driver’s insurance coverage isn’t adequate. Also we strongly recommend that you check the wording of the policy offered to you to ensure that it does include adequate Bodily Injury coverage in case anyone claims against you.