« All FAQ About Auto Accidents

What is uninsured motorist coverage?

Uninsured Motorist Coverage (UM) is insurance that you can purchase on your own policy to protect you if the person who injures you in a car accident has little or no insurance coverage. Florida law does not require drivers to purchase insurance coverage to pay for bodily injury they cause to others in car accidents! There are a surprising number of people who have no Bodily Injury Coverage (BI) or very minimal limits. Uninsured Motorist coverage will protect you if you are injured by a driver who carries little or no insurance – you can make a claim against your own UM policy for your injuries and medical bills. While UM coverage may cost you in the short term – if you ever need it, you will be sure glad that you have it!  Read more about the different insurance coverages and how to protect yourself (Insurance Coverages)

 
If you have more questions, please contact one of our lawyers at the Ruth Law Team to discuss your rights!

Related Questions:

What do I do if I was hurt in a car accident?

Understanding what steps you should take after being involved in an auto accident is extremely important. It can be difficult to think clearly when in such a stressful situation, so review the following information so you are better prepared in the event you are in an accident.... read more?

What should I do immediately after a car accident in Sarasota?

Firstly, ensure everyone's safety, then call 911. It's vital to report the accident and request medical help if needed. Exchange information with the other driver but avoid discussing the accident's specifics to prevent any misinterpretation. Document the scene if you can and seek immediate medical attention, even if you feel fine.

Should I contact my insurance company after the accident?

We strongly recommend speaking with an attorney prior to speaking with either your or the other driver’s insurance company. Insurance companies don’t have your best interest at heart. The job of the insurance companies is to minimize payout. If you choose to hire an attorney, your legal team will manage any contact with the insurance companies involved.