Florida has a lot of underinsured drivers.
You may not be required to have uninsured motorist insurance in Florida.
. However, with so many accidents in the state and so many uninsured or underinsured motorists on the roads, paying the few extra dollars and choosing this coverage is highly recommended. Yes, you need coverage for uninsured drivers, even if you have comprehensive and collision coverage.Collision insurance will pay for the repair of your vehicle if you get hit by an uninsured driver, but it won't cover any of your medical expenses, and comprehensive insurance won't cover your expenses at all after a collision. Comprehensive insurance only covers repairs if your car is damaged by something other than a collision, such as an act of vandalism or a natural disaster. When considering whether or not to buy coverage for uninsured motorists if you live in Florida, here are some advantages and disadvantages to consider:. The thing about uninsured drivers is that not only do they not protect themselves, but they also don't protect you or any of the other drivers around them if they are ever involved in an accident.
If your medical bills and other damages exceed your policy's coverage, you can file a claim with the at-fault driver's insurance company. It is recommended that you contact an experienced attorney who can help you file a claim under your UM coverage to ensure you receive justice. If you're a driver in Florida, you'll know the importance of having coverage for motorists, especially of having additional coverage that protects you against different unpredictable situations. Coverage for uninsured drivers allows a lawyer specializing in car accidents to file a claim against their own insurance company to get the compensation they need and deserve to recover from their injuries, even if the other driver is uninsured or leaves the scene of the accident.
Uninsured motorist coverage (also called UM insurance) protects drivers and their passengers in the event of an accident with another driver who does not have liability insurance. The downside is that NOT having UM coverage can cost you much more in lost benefits than the actual cost of adding the coverage to your policy. Coverage for uninsured Florida drivers, as well as coverage for underinsured motorists, provides additional protection if you or a loved one were harmed in an accident at the hands of another driver who was driving without insurance or who has too little insurance to make up for it in full. If you have any questions about UM coverage or if you were injured in a car accident in Florida, you should speak to an experienced Florida car accident lawyer as soon as possible.
UM coverage allows a lawyer specializing in car accidents to file a claim against your own insurance company when you were injured in an accident that was not your fault and the other person has no insurance. One of the most important types of car insurance you can have in South Florida is UM (uninsured or underinsured motorist) coverage, according to car accident lawyer Andrew Rosenberg. It's similar to coverage for people without insurance, but it protects you if the person who caused the accident has insurance, but maybe not enough. If you are injured in a car accident as a result of another driver who doesn't have bodily injury liability coverage, your uninsured driver coverage will compensate you for the costs of your damages, including medical expenses, lost wages, pain and suffering, property damage, and wrongful death.
Coverage for uninsured drivers also covers you if you are injured in a car accident that took place on the run in Florida...
