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According to the Florida Progressive Coalition, there are an estimated 770,000 uninsured drivers in Florida. There are many more who have no-fault coverage to pay their driver’s own medical bills but no liability coverage to pay for the medical bills, wage loss, and lifetime of pain and suffering caused when they injure others.
The chances are good that you’ll be hit by an uninsured driver if you’re involved in an accident in Florida because, contrary to popular belief, automobile liability insurance is not mandatory for the millions of family automobiles on the roads of Florida at this very moment. Consequently, a truly gigantic number of automobiles on the road have no liability insurance at all to cover your injuries. Some estimate that 1 in 4 Florida cars have no bodily injury liability coverage. Of the three that do have bodily injury liability coverage, most probably have policy limits of $ 50,000 or less. Given the cost of today’s health care and wage losses from serious injuries, it’s easy to see how an auto accident can put an entire family in peril quickly.
For this reason, it is important for you to elect to buy uninsured motorist coverage when you renew your automobile policy or buy a new one. Uninsured or underinsured motorist coverage on your own car takes the place of the absent or inadequate liability insurance of the driver who causes an accident. With uninsured motorist coverage, you’re covered, even if the other guy isn’t. You can buy two kinds of UM coverage: stacking and non-stacking. Choose the “stacking” UM/UIM coverage if there are two or more cars in your household. That allows you to add the UM coverages together to increase your benefits when injured by an uninsured or underinsured driver.
If you or a loved one has been injured in an automobile accident, call CGWC for a free consultation.