There are many uninsured drivers in Florida. In fact, Florida has one of
the highest rates of uninsured drivers in the country, roughly 1 in 4
drivers is uninsured.
In Florida, you are only required to carry PIP and Property Damage coverage.
This means a driver can legally be on the road with just PIP and Property
Damage and not have the coverage to protect others in case that driver
is at fault. However, one of the biggest misconceptions is that having
the bare minimum is good enough. Unfortunately, when someone is hurt in
an accident, a single hospital visit can very often cost over $10,000,
essentially exhausting your entire PIP coverage.
What does this mean?
If you are involved in an
auto accident with a driver that does not have liability coverage, you may not have
coverage beyond the first $10,000 in immediate medical expenses and some
lost wages. You
will not be protected for medical expenses beyond the first $10,000, any future medical expenses,
significant lost wages, or non-economic damages such as disability, pain,
4 Reasons Why You Need To Protect Yourself With UM Coverage
Uninsured Motorist (UM) coverage is extremely important in Florida.
- High chance of being hit by a driver that is not insured.
- If you are injured by an uninsured or underinsured driver, you may be paying
for your own medical costs and not be able to recover any money for future
medical, or pain and suffering.
- There’s a strong possibility that if you are involved in an accident
with a driver who cannot afford insurance, it is unlikely that they would
be able to pay for your medical expenses from their own pocket.
UM coverage protects you. It is the best way to ensure your coverage doesn’t come up short
when the worst happens.
3 things you need to know about protecting yourself with this important coverage:
- Insurance companies are required to offer uninsured motorist coverage,
but it is not mandatory for you to have it on your policy in FL.
- It is the most important coverage you can have in Florida. If you do not
have UM coverage, then you are not protected. Medical bills following
an accident can quickly become overwhelming.
- Uninsured motorist coverage cost is quite reasonable.
Do you already have uninsured motorist coverage?
If you do, that’s great, but be sure to re-evaluate your policy from
time to time to ensure that you are adequately covered.
Contact Knowledgeable Legal Counsel - Call
If you are hurt in an accident or having problems with your insurance claim, please
contact our Tampa car accident lawyer at Boohoff Law, P.A and schedule a free consultation today.