During these trying times, many people are struggling mentally, emotionally and financially, to get through each day.  Our thoughts and prayers go out to those who find themselves in this situation.  Many are finding ways to cut corners to save money and pay the bills. In doing so, some decide to either reduce or eliminate car insurance coverages not required by law, or even allow their auto insurance lapse completely.  Unfortunately, we are seeing this more and more.  This is why it is so important to carry Uninsured or Underinsured Motorist coverage, also known as UM.

How Does UM Help Me?

If someone who carries minimal auto insurance (or none at all) hits and injures you, UM will help pay for your own medical bills. Submitting a UM claim with your own insurance carrier may be one of the only ways for a victim to obtain monetary compensation after an accident.

Does Florida Require UM Coverage?

No, Florida does not require UM coverage. Florida also does not require bodily injury (BI) liability coverage. Please be aware, if you are struck by someone that has little or no BI coverage on their auto policy, you may incur medical expenses through no fault of your own.  You may also have no recourse through that person’s insurance to get compensated!  If possible, carrying and increasing Uninsured/Underinsured Motorist coverage on your own auto insurance is one of the only ways to protect yourself in these situations.  

Over the past few months, we have spoken to more and more callers who either 1) reduced additional coverage or 2) allowed their insurance policy to lapse.  Oftentimes, the other driver does not carry BI coverage. Now, more than ever, we highly recommend you add UM to your auto insurance policy. Doing so will help protect yourself in the event of an accident.

To learn more about Uninsured/Underinsured Motorist coverage and how it can protect you, call The Ruth Law Team at 727-327-3222. An attorney will be happy to explain more.  To add or increase this coverage on your auto insurance, call your insurance carrier today!