Uninsured Motorist (UM) Coverage

Car Insurance Coverages that Protect You

Uninsured Motorist (UM) Coverage: You may be a terrific driver, but that says nothing about everyone else on the road. Very often, the other motorist in a car accident has: (a) very limited liability coverage; (b) no liability coverage (according to the Insurance Research Council, about 1 in 6 drivers in Florida have absolutely no coverage at all); or (c) cannot be identified (read hit and run). In any case, you want a UM policy that will cover the other accident-causing party’s insurance-coverage shortfalls. UM protects you, your passengers and other named persons on the insurance policy for injuries (up to your elected coverage amount) sustained in these situations. We highly suggest having as much UM coverage as you can afford. In fact, it is so important, your Florida auto-insurance provider is required by law to offer you UM coverage. In order to deny or waive UM, you have to actually sign a statement verifying that you are declining UM coverage on your policy.

There are additional insurance options available (e.g. MedPay – to cover additional medical expenses; and Excess/Umbrella coverages), but these are topics for another posting.

Read about Personal Injury Protection coverage.

Talk to your car insurance company today about adjusting your basic coverages if you now feel you are under-protected. Your insurance representative can also explain some of the other coverage types available to you.

 If you would like to speak to an attorney, please call 1-800-379-TEAM (8326) and ask for Jason Neufeld, or email him directly at jneufeld@nkplaw.com.