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Importance of Uninsured and Underinsured Motorist Insurance Coverage

Uninsured Motorist and Underinsured Motorist Coverage (UM/UIM) is available as additional insurance coverage in your auto policy. Many overlook or don’t understand the importance of this coverage. This form of coverage protects you, the occupants of your vehicle, and others who are family members living with you, from being injured by a negligent motorist who is driving without or with insufficient insurance coverage on that vehicle to pay for the injuries caused. If a negligent driver injures you or someone in your car and does not have insurance, then your insurance company provides funds to pay for the wrongdoing, under uninsured motorist protection. Underinsured protection protects you and all other passengers in your car from a negligent driver who does not have sufficient insurance to pay for your claim. 

Uninsured motorist and underinsured motorist coverage are considered some of the most important automobile insurances that Florida drivers should purchase. Florida requires minimal automobile insurance, therefore many drivers do not decide to pay additional amounts for additional coverage, which in return does not provide them with the necessary coverage when involved in an accident where other drivers or passengers are injured. According to the Insurance Information Institute, in 2015, Florida had the highest percent of uninsured drivers, leading with 26.7%, which means that drivers in Florida are more at risk of experiencing an accident with an uninsured or underinsured driver than most states, making uninsured/underinsured motorist insurance coverage a necessary addition to automobile insurance policies.

Florida drivers are often uninsured or underinsured, posing financial risks to those who they come in contact with.If you or someone you know has been involved in an accident with a uninsured or underinsured driver, contact Darfoor Law Firm. Our firm has extensive experience in representing personal injury victims. Give us a call today at 1-833-DARFOOR for a free consultation regarding your rights under Florida law.

For more information on uninsured and underinsured motorist insurance coverage, or if you have any comments or suggestions please view our instagram page. We look forward to receiving your feedback.

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