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What Uninsured Motorist Coverage Means to You

Uninsured motoristDid you know that, according to the Insurance Research Council (IRC) estimates that 1 out of every 7 drivers in the United States is currently uninsured? If that shocks you, then this will, too: The state of Florida is even worse. Nearly 25% of Florida drivers do not have motor vehicle insurance.

Florida is infamously known for the highest rates of uninsured drivers. In fact, they rate among the top five highest in the entire country.

So what does this means to you? If an uninsured driver causes you to suffer injuries as a result of his or her negligence, then there is no third party insurance coverage for you to pursue. However, you can mitigate this risk and protect yourself and your property through uninsured motorist coverage (or UM).

How Does UM Coverage Work?

Like any type of insurance, drivers can purchase UM coverage from their insurance carriers. UM is an agreement between you and your insurance company.

Again, like most types of insurance, it’s there to help you in the event you need compensation for injuries and lost wages due to an accident. Most UM policies cover both the driver and any passengers in the vehicle at the time of the accident.

However, don’t get too excited. This type of compensation isn’t freely given nor is it readily available. Like any personal injury case, victims must successfully prove that another driver’s negligence or wrongful actions caused the accident.

You must also have a long-term, debilitating, permanent injury. What is considered a permanent injury? Check out the Florida no-fault guidelines.

Note: UM insurance coverage carriers will often fight against you in order to reduce the amount of compensation you actually receive. Fight back with a car accident attorney.

When is UM Available?

Most UM policies also operate as Underinsured Motorist Coverage. If you are injured by another driver, and you have proven that, that driver is in fact at fault for your accident, then UM will kick in.

Furthermore, if that driver’s regular motor vehicle insurance coverage policy will not cover you for your injuries, then you may be able to activate UM.

If you think you might side with the 25% of Florida drivers who do not have insurance, think again. Since Florida does not require its motorists to carry normal motor vehicle insurance, it is a good idea if you carry both regular motor vehicle insurance as well as UM coverage.

How Do You Know If You Qualify For a UM Claim?

If you are injured by a negligent driver who does not have sufficient insurance coverage or who does not have insurance at all, then don’t fight the insurance companies alone. Consider working with a reputable personal injury attorney as soon as possible.

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  4. What Are the Penalties for an Auto Accident in Florida?

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