HANDYMAN 
Handyman Insurance – Beneficial Car Insurance Coverage in FL
Although the state only requires two types of protection to be listed on a policy, there are additional options that can be added to a motorist’s coverage that may be quite beneficial. One such option is to purchase protection from uninsured drivers. The state of Florida has very strict laws when it comes to keeping vehicles insured, but this does not seem to deter many individuals from driving without proper auto insurance policies in place. It is estimated that nearly 25% of motorists are occupying the roads while uncovered. This among the highest percentage in the nation and it may be a good idea to protect against such operators.
Insurers offer Uninsured/Underinsured Motorist coverage that pays for bodily injuries to the policyholder, family members and passengers of the automobile if injured due to the negligence of an uninsured or underinsured motorist. Covered scenarios include being struck by a party without liability coverage, has inadequate liability limits or if victim of a hit-and-run. This addition to a policy will pay for medical expenses and lost wages once PIP limits have been exceeded.
Although adding this option to a policy may cost a little bit more in premiums it can be well worth the cost. According to the Florida Department of Highway Safety and Motor Vehicles, individuals who are struck by a party that does not have insurance will have to contact the Bureau of Financial Responsibility where a judgment will be enforced and the at-fault party’s driving privileges and registration will be suspended for 20 years or until the judgment has been taken care of.
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