Daily Archives: February 14, 2014

DO I NEED UNINSURED MOTORIST (UM) COVERAGE?

Your Tampa Accident Attorney explains what happens if you have been injured in an auto accident and the at fault driver does not have insurance or enough insurance? How can I protect myself and my family?

Tampa Auto Accident Attorneys

Tampa Auto Accident Attorneys

If someone is injured in an auto accident in Florida the likelihood is almost one in five that the at-fault driver is uninsured. Florida is one of the states with the highest uninsured driver populations with 19% of its drivers without liability coverage. In the U.S., 12.7% of drivers are uninsured.

Uninsured motorists coverage becomes important when you, your resident relatives or your passengers are injured in a collision caused by a driver who has no bodily injury liability insurance coverage or not enough bodily injury liability coverage. Your uninsured motorists coverage covers the following expenses: medical expenses (past, present, and future); lost wages (past, present, and future); and non-economic damages such as disability, pain and suffering, and the loss of ability to enjoy life. Also, this coverage “follows” you and your resident relatives, providing protection for these losses even if you are not in your own insured vehicle. And here’s, the best part: it is also (usually) the cheapest coverage per dollar of coverage!

It is obvious that a good number of drivers on Florida’s highways do not carry liability insurance and many who do have this coverage have very low limits. Most insurance agents fail to adequately explain the importance of this affordable low cost coverage. Uninsured motorists coverage should be considered one of the most important pieces of your self-protection insurance package.

If you have been injured by someone who uninsured, without insurance, or without enough insurance, call an injury attorney in Tampa who can help guide you through the process. Call 813-229-5353 or find us on the web.