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The Importance of Buying Uninsured Motorist Coverage

Trusted Content
Legally reviewed by:
Erik Abrahamson
May 24, 2019
May 24, 2019 | Car Accidents

While driving without insurance is illegal in Florida, that doesn’t prevent some drivers from doing so. According to the Insurance Information Institute, Florida has the highest rate of uninsured drivers on the road. In Florida, approximately 1 in 4 drivers does not have car insurance. This is a staggering number when you think of how many cars are on the road. If you are seriously injured in an accident with one of these drivers, you may feel that you’re out of luck. This is why it’s important to have uninsured motorist coverage.

What is Uninsured Motorist Coverage?

Uninsured motorist coverage (UM) insurance provides you with coverage when you are involved in an accident with a driver who either does not have insurance at all or who doesn’t have enough insurance to cover the damages they have caused. Your UM coverage will kick in when the injuries you have suffered as the result of an accident exceed the amount of coverage a negligent driver has or if the driver has no coverage at all. Your UM coverage will then become your primary coverage. UM coverage will also cover you if you have been injured by a driver who fled the scene and cannot be identified.

Uninsured Motorist Coverage is Important

Florida doesn’t require the purchase of UM coverage, but it is wise to purchase as much UM coverage as you can afford. Florida is a particularly dangerous state for motorists. Not only does Florida have the highest rate of uninsured drivers, but it also has some of the worst drivers in the country. UM coverage will ensure that you are fully covered if you are injured in an accident with an uninsured or underinsured driver. It will provide you with peace of mind and help ensure that you aren’t bankrupted by an accident caused by a negligent driver who made the irresponsible decision not to carry insurance. 

Contact a Car Accident Attorney

If you’ve been injured in an accident with an uninsured driver, you may need an experienced car accident attorney on your side. With our 30 years of experience helping Floridians injured in car accidents, let the attorneys at Abrahamson & Uiterwyk show you how we can help. Contact us online or call us at 800-538-4878 to set up your free consultation today. 

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