Why You Need UM Coverage

If you live in the state of Florida, you probably know that Florida drivers are required to carry $10,000 in personal injury protection and property damage liability. But, the unfortunate truth is that 23% of Florida drivers are uninsured. And, even for those who carry the minimum insurance, this may not be enough to cover the damages from all auto accidents. That’s why it’s important for drivers to carry uninsured/underinsured motorist coverage.
Florida law requires every motor vehicle liability insurance policy issued in Florida to include an equal amount of uninsured motorist coverage, unless the insured makes a specific rejection of the UM coverage.

UM rejection form

While filling out all of the paperwork for your auto insurance policy, you’ll probably see a form that looks like the one above. This is the UM coverage rejection form. If you check any of the boxes on this form, you will be rejecting UM coverage or choosing coverage that is less than your liability coverage. Your premium may be lower, but you are losing valuable coverage that would protect you in an accident with an uninsured or underinsured driver.
Here at Rudez PL, we see many clients with excellent cases receive little to no money in damages, because the at-fault driver simply does not have enough insurance. But with UM coverage, we can seek damages from the client’s own insurance company to make up for what should have been provided by the at-fault driver.

And that is why I recommend that all Florida drivers carry UM coverage in the amount of their liability coverage. The slightly higher premium will be more than worth it if you ever find yourself in the unfortunate situation of being involved in a collision caused by an uninsured motorist.

If you or a loved one has been in an accident with an uninsured or underinsured motorist, call Rudez PL at 844-RUDEZLAW for a FREE consultation with Attorney Dan Rudez. Dan speaks Croatian, Serbian, and Bosnian. Bosanski, hrvatski, Српски.