When purchasing auto insurance in Florida, one critical aspect that often gets overlooked is uninsured motorist coverage. With a significant number of uninsured or underinsured drivers on the road, in most cases, opting for uninsured motorist coverage (UM) is not just a wise choice, it’s a necessity. Draper Law Office has been protecting people’s rights since 1984 in Osceola County, and has provided some extremely important information regarding the purchasing of auto insurance in Florida.
Florida’s High Rate of Uninsured Drivers:
Florida has one of the highest rates of uninsured motorists in the United States. In fact, it’s estimated that nearly 26% of drivers in the state lack proper insurance coverage. If you’re involved in an accident with one of these drivers, you could be left with substantial expenses and no recourse without uninsured motorist coverage.
Protecting Yourself from Uninsured Drivers:
Uninsured motorist coverage is designed to protect you in situations where the at-fault driver doesn’t have insurance or has insufficient coverage to pay for your medical bills, property damage, or other losses. Without UM coverage, you might have to rely solely on your own insurance, which can be financially burdensome.
Hit-and-run accidents are another common scenario on Florida’s roads. If you’re a victim of a hit-and-run, UM coverage can step in to help cover the costs associated with the accident when the responsible party cannot be identified or located.
Even if a driver has insurance, their coverage limits may not be enough to fully compensate you for your injuries or damages. Underinsured motorist coverage (UIM), often bundled with UM coverage, can bridge the gap between the at-fault driver’s policy limits and your actual expenses.
Peace of Mind:
Knowing that you have uninsured motorist coverage provides peace of mind when you’re on the road. You can focus on driving without worrying about the financial consequences of an accident caused by an uninsured or underinsured driver.
Uninsured motorist coverage not only protects you but also your passengers. It can cover medical bills, lost wages, pain and suffering, and other related expenses resulting from an accident with an uninsured driver.
Adding uninsured motorist coverage to your auto insurance policy is typically an affordable option that can save you from significant financial hardship in the event of an accident with an uninsured or underinsured driver.
When buying auto insurance in Florida, uninsured motorist coverage is not an optional extra—it’s a vital component of a comprehensive insurance policy. Given the high number of uninsured drivers in the state and the potential financial consequences of an accident, UM coverage offers essential protection for you, your passengers, and your vehicle. Don’t wait until it’s too late; make sure to include uninsured motorist coverage in your auto insurance policy to ensure you’re adequately safeguarded on the Sunshine State’s roads. Your safety and financial security depend on it.
Even with information about purchasing uninsured motorist coverage being readily available, understanding how that coverage can affect your personal situation or needs can be challenging, The attorneys at Draper Law Office are a great resource before making those decisions. They’ve been serving the community since 1984 and have seen the results of not having proper auto insurance coverage.
If you’ve been involved in an accident and need to make sure your rights are protected call a proven advocate for the community that understands that insurance companies don’t have your best interest at heart. Draper Law has been fighting for the rights of the people in Osceola County since 1984. In times of need, call Draper Law at 407.846.0075 or visit DraperLawOffice.com.