Hit By Uninsured Driver? You May Be Protected Anyway!

Representing Orlando, Tampa, Miami and Nearby Areas of Florida

Some estimates are that as many as 1 in every 4 drivers in Florida is driving without any liability insurance to cover folks they injure in an accident. Uninsured and Underinsured Motorist Insurance is the type of automobile insurance that covers your injuries and claims against a negligent driver who fails to buy his own liability insurance coverage.

Uninsured motorist coverage MUST be provided with any policy of automobile liability insurance. Unfortunately, the insurance industry had laws passed that allow unsuspecting consumers to legally reject this coverage. Often, agents don’t adequately explain the importance of uninsured motorist coverage when presenting consumers with the forms they are required by law to sign if the choose to decline uninsured motorist coverage. The good news is that the law is very specific in defining how uninsured motorist coverage can be declined. Forms must contain precise wording and in an exact form and format and signed by the purchaser. Otherwise, you’re covered.

So if you’re injured by an uninsured motorist, don’t assume that you aren’t covered for your injuries by your own policy of automobile insurance. If you’re involved in any kind of accident, don’t leave your fate to guesswork. Get free legal advice from The Florida Firm if you’re injured in any kind of accident. And before you drive anywhere again, call your agent and ask if you bought uninsured motorist coverage. If you didn’t, go add the coverage to your policy.