Understanding Uninsured Motorist Coverage in Florida
: What You Need to Know
Introduction
Florida is known for its sunshine, beaches, and—unfortunately—a high number of uninsured drivers. According to the Insurance Information Institute, nearly one in five drivers in Florida is uninsured. This makes Uninsured Motorist (UM) coverage an essential part of protecting yourself on the road.
What Is Uninsured Motorist Coverage?
Uninsured Motorist (UM) coverage is an optional type of auto insurance that provides compensation for your medical expenses, lost wages, and pain and suffering if you are injured in an accident caused by a driver who does not have insurance.
Florida law does not require drivers to carry bodily injury liability insurance, meaning that many at-fault drivers lack the coverage needed to pay for your damages. UM coverage helps bridge this gap.
What About Underinsured Motorist (UIM) Coverage?
Underinsured Motorist (UIM) coverage is often bundled with UM coverage and protects you when the at-fault driver has insurance, but not enough to cover all your expenses. If their policy limits are too low, your UIM coverage will step in to cover the remaining costs.
Why UM Coverage Is Crucial in Florida
- High Rate of Uninsured Drivers
With approximately 20% of drivers uninsured, the chances of being hit by someone without coverage are significant. - Florida’s No-Fault System Only Goes So Far
Florida is a no-fault state, meaning your own Personal Injury Protection (PIP) covers medical expenses regardless of who is at fault. However, PIP only covers up to $10,000, which may not be enough for serious injuries. - 3.Protects Against Hit-and-Run Accidents Florida has one of the highest rates of hit-and-run accidents. If a driver flees the scene and is never identified, your UM coverage can step in to cover your damages.
How Much UM Coverage Should You Have?
While Florida does not mandate UM coverage, it is strongly recommended. Most insurance companies offer coverage that matches your bodily injury liability limits. A good rule of thumb is to carry at least $100,000 per person/$300,000 per accident in UM coverage, but higher limits provide better protection.
Steps to Take If an Uninsured Driver Hits You
- Call 911 – Report the accident to law enforcement immediately.
- Seek Medical Attention – Even if injuries seem minor, get checked by a doctor.
- Notify Your Insurance Company – Inform them that the at-fault driver is uninsured.
- Consult a Personal Injury Attorney – An experienced Florida personal injury lawyer can help maximize your compensation and deal with the insurance company.
Conclusion
Uninsured Motorist coverage is one of the best ways to protect yourself from financial hardship after an accident. Without it, you may be left covering medical bills, lost wages, and other damages out of pocket. If you have been injured by an uninsured driver, contact a skilled personal injury attorney today to discuss your legal options.
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