Almost 24% of Cars Uninsured In Florida

Representing Orlando, Tampa, Miami and Nearby Areas of Florida

According to a study by, Florida is the worst state in the country to have an automobile accident.  Why?  Because there’s a 1 in 4 chance the car that collides with you is violating the law and has no insurance to cover your injuries.  Even when Floridians buy liability insurance that covers your injuries, the minimum permitted is all many people buy, and the minimum permitted is only $ 10,000.  That won’t cover more than a few overnight stays at most hospitals and is long gone if any surgery is necessary.  What do you do?  Buy uninsured and underinsured motorist coverage.  UM and UIM coverage apply when the car that hurts you has no liability coverage or minimum liability coverage.  Your own insurance then stands in the shoes of the other driver’s insurance to cover your own injuries, including pain and suffering for permanent injuries.

Many agents encourage customers to reject uninsured motorist coverage.  Don’t!  Especially in Florida.