No Hablas Uninsured Motorist
We know insurance isn’t the easiest topic to understand, and that’s okay. However, when you work with educated and responsible specialists they will go the extra mile to protect you. If you get in an accident caused by a driver without insurance, the uninsured motorist policy will go into action. The UM policy replaces the liability coverage the driver should’ve had and gives you coverage for your costs, up to the policy’s limits. (Keep in mind the exclusions.)
Uninsured/underinsured motorist coverage can be purchased to cover bodily injuries (sometimes called UMBI), and in some states, it’s also available to cover property damage (sometimes called UMPD). UM/UIM works like your bodily injury coverage and is sold the same way, with coverage limits you select. Instead of buying insurance to protect other drivers from the damage you cause, you’re buying insurance to protect yourself from bodily injury damage caused by other drivers to you.
What’s at Risk?
Uninsured/underinsured motorist insurance will cover medical expenses, pain and suffering, and loss of income for you and all the passengers in your vehicle. What does this mean? Imagine you make a trip to the mall, you buy those sunglasses you’ve been eyeing on sale, enjoy a pretzel, everything is grand. You get to the parking lot, as you are putting your car in reverse, — BAM! — your rear end is hit and the driver leaves the scene. You have a mild neck injury and maybe some back pain. Your UM coverage would serve as an additional layer of protection against your medical bills.
Geographical location must be considered when purchasing protections. Florida does not require drivers to have uninsured/underinsured motorist coverage. The fact is, the minimum liability coverage limits required in the state of Florida will shock you:
- $0 Bodily Injury Per Person
- $0 Bodily Injury Per Accident
- $10,000 Property Damage Per Accident
- $10,000 Personal Injury Protection (PIP)
Having the bare minimum protection isn’t much protection at all. It’s time to get smart and realize that every time you get behind the wheel you put everyone at risk. If that doesn’t put things into perspective then maybe this will:
