Uninsured/Underinsured Motorist (UM) Coverage
Do you know that in the state of Florida bodily injury liability insurance is not mandatory?
That means that if you are injured in an automobile accident there is a likelihood that the driver who hit you does not have insurance coverage to pay for your injuries. Don’t fret too much, because you are not completely without coverage. If you select Uninsured/Underinsured Motorist (UM) Coverage with your automobile insurer, you will have coverage in such an unfortunate event. This coverage will increase your premium, but consider the consequences of not having this coverage. If you are hit by an uninsured driver, you will not have any coverage to compensate you for your damages including pain and suffering. If you are hit by an underinsured driver, meaning the driver has policy limits that are not sufficient to cover your medical bills and pain and suffering, you will not be fully compensated.
By selecting UM Coverage, you can avoid these difficult scenarios and ensure that you will have coverage if you are hit by an uninsured/underinsured driver. Now is a great time to review your current automobile insurance policy and evaluate the coverage you presently have in place.
If you have any questions regarding UM coverage please call us at (305) 661-1200 and we will gladly explain it to you.
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