I was borrowing my sister’s car, was hit by an uninsured driver. Can I make an uninsured motorist claim against my own policy?
Author: Attorney Jay Kanter
I was borrowing my sister’s car while my car was in the shop for regular maintenance. I was hit by an uninsured driver, suffered a serious shoulder injury requiring surgery, and my sister’s auto policy did not have uninsured motorist coverage. Can I make an uninsured motorist claim against my own policy?
You can make an uninsured motorist (UM) claim against your own policy, even though you were not injured in your own car. UM is a very important coverage to carry on your auto policy in Florida. It will cover the exact situation that you are now faced with. UM covers you, and resident relatives of your household, in the event you are injured in an auto accident where the at-fault driver has no bodily injury coverage or insufficient coverage to cover your damages. UM will pay you for out of pocket medical bills, in addition to compensation for injuries, pain and suffering, and wage loss not covered by PIP coverage.
If you have more than one car under your auto policy, you may be able to “stack” your UM coverage which essentially multiplies your UM limits by the number of cars you have covered under that policy. If you have questions about Florida Uninsured motorist coverage, please contact Attorneys Dell & Schaefer for a free consultation.