Uninsured/Underinsured Motorist Coverage

Did you know that many drivers in Florida have no insurance on their automobile?   That means that if you’re in an accident with another Florida driver more likely than not your injuries or your losses are not covered by the other driver.  That’s why it is so important in the State of Florida to carry uninsured/underinsured motorist coverage.
Uninsured coverage provides coverage for you and your losses in the event that you have an accident with someone with no insurance.   If you are injured in an accident where the other driver has some insurance your same uninsured motorist coverage is known as underinsured motorist coverage and your insurance will be add to the underlying coverage that the other driver had.
For example, if he only had ten thousand dollars in coverage and you have an accident and your losses exceed that ten thousand,  your insurance will then pick up the difference.   It’s the most important coverage you can have in the State of Florida.   As a matter of fact by some estimates as high as forty percent of the drivers who drive in Florida have absolutely no coverage.  Now you can ask yourself how can they drive if they don’t have any insurance?  Well, believe me; they can because there is no penalty in the State of Florida for driving without auto insurance.
So, the lesson to be learned – make sure uninsured/underinsured motorist coverage is part of your policy.  It’s the best insurance you can buy to protect yourself.
If you have suffered a personal injury as a result of someone else’s negligence, please give us a call here at Q Auto and Injury Attorneys, 1-800-332-1992. We can help. Check us out on iTunes. These blog posting are covered in both video and audio podcasts for people who prefer to hear this information while driving or watch an enhanced version on their computer or video playback device.

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