Uninsured Motorist (UM) coverage is an essential component of your auto insurance policy in Florida, offering critical protection in the event of an accident with an uninsured or underinsured driver. Given that Florida does not require drivers to carry bodily injury liability insurance, the risk of encountering a driver without sufficient coverage is significant.

Why Uninsured Motorist Coverage is Important

Florida has one of the highest rates of uninsured drivers in the country. If you’re involved in an accident with an uninsured or underinsured driver, UM coverage steps in to cover your medical expenses, lost wages, and other damages that the at-fault driver’s insurance would normally pay.

Types of Uninsured Motorist Coverage

1. Uninsured Motorist (UM) Coverage:

   • Provides compensation if the at-fault driver has no insurance.

2. Underinsured Motorist (UIM) Coverage:

   • Kicks in when the at-fault driver’s insurance is insufficient to cover your damages.

What Does UM Coverage Include?

UM coverage can help pay for:

• Medical Bills: Hospital stays, surgeries, and other medical treatments.

• Lost Wages: Compensation for income lost due to injury.

• Pain and Suffering: Compensation for physical pain and emotional distress.

How to Obtain Uninsured Motorist Coverage

When purchasing auto insurance, you can add UM coverage to your policy. It’s important to consider the coverage limits and choose an amount that adequately protects you and your passengers.

Conclusion

Given Florida’s high rate of uninsured drivers, uninsured motorist coverage is a crucial protection that ensures you’re not left financially vulnerable after an accident. By understanding and securing UM coverage, you can drive with greater peace of mind knowing that you’re protected, no matter who is on the road.