Uninsured Motorist Coverage

A recent study revealed that 19% of all Florida drivers are uninsured. It’s always a good idea to carry “uninsured motorist” coverage on your auto policy. This provides you coverage for your personal injuries should the at-fault driver not have insurance or not enough insurance. Many people think they don’t need uninsured motorist coverage if they have health insurance that will provide for medical care following an accident. In addition to paying damages for medical expenses, uninsured motorist coverage offers the additional benefit of paying your past and future wage loss as well as any pain, suffering or loss of your ability to enjoy your life due to your injuries.

If you have more than one vehicle insured in your household, you may want to ask your insurance agent about obtaining “stacked” uninsured motorist coverage. For a modest premium your uninsured motorist coverage is multiplied (“stacked”) by the number of vehicles in your household insured by the same company.

If you have uninsured motorist coverage, be aware that most policies require you to obtain your insurance companies permission to settle with the person that caused the accident and have other “cooperation” and “notice” clauses.

If you have been injured in an car accident and you have uninsured motorist coverage, call for your free consultation today to determine your rights and obligations under your uninsured motorist coverage policy.