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According to the Insurance Journal, uninsured drivers are not just a problem, they’re a big one. While it is impossible to know for sure how many drivers are uninsured, Some estimates are as high as one in every three drivers. Since only no fault medical and wage loss benefits and minimum property damage insurance are mandatory for most cars in Florida, an even higher percentage of drivers here have inadequate coverage, including little or no bodily injury liability coverage, which covers other people they may injure in an auto accident. That’s right. Most drivers in Florida are NOT required to have insurance that pays you if they cause an accident and hurt you. Bodily injury liability coverage is not required for family automobiles in our state.
We all know what a chance we take in Florida everytime we get on the road, and uninsured drivers place you at even more risk of financial ruin from an accident that’s not your fault. What can you do about this? Make absolutely sure that your family or business automobile has uninsured and underinsured motorist coverage. UM/UIM coverage takes the place of no coverage on the driver at fault, or inadequate coverage. Be sure you elect stacking UM/UIM, too, if you own more than one vehicle so that you can get the UM/UIM benefits under all your cars if you’re in an accident. Don’t victimize yourself. Call your agent now and find out if you have UM/UIM coverage. If you don’t, get it. If you’re in an accident, the chances are very, very good that the other driver will have either no liability coverage, and it is almost certain that the other driver will have too little coverage if your injuries are serious.
If you’ve been injured by an uninsured motorist, don’t assume your policy doesn’t protect you either. Call CGWC for a free consultation, and we’ll review your automobile insurance policy and make sure you’re getting all the benefiits you’re entitled to receive.