What is UM coverage and why is it so important in Florida?
Florida drivers,
What happens if you are injured in a car accident and the at-fault driver does not have insurance to help compensate you for your medical expenses and injuries?
Unfortunately, this is a common situation for many drivers since Florida currently does not require its residents to carry bodily injury liability coverage (BI) for non-commercial purposes. In other words, Florida only requires non-commercial drivers to carry Personal Injury Protection (PIP) and Property Damage Liability (PD). PIP covers 80 percent of all necessary and reasonable medical expenses up to $10,000 resulting from a covered accident, no matter who is at fault. PD coverage pays for damage to another driver’s property caused by you or someone else driving your vehicle.
This is why uninsured/underinsured motorist coverage (UM) is so important when you are purchasing or renewing your own car insurance policy. UM coverage is designed to protect you and your family if the at-fault driver in an accident only has the bare minimum coverage of what Florida requires. When purchasing UM, there are several options to choose from; for example, $10,000/$20,000, $100,000/$300,000, etc., as well as the option of “stacked coverage” for policies with more than one vehicle.
When speaking with your insurance company about purchasing coverage that is right for you and your family, consider the above information before making any decisions.
In addition, if you are involved in an accident, you should contact our office as soon as possible for a free evaluation and whether you have a viable claim for benefits. It is important to consult with an attorney after an accident so you know your rights and how to best protect you and your family.
As always, if you have any additional questions, you can give us a call at (407) 901-1598.
Matthew Wasserman, Esq.
Learn more about Matthew here!
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