Why Do I Need Uninsured/Underinsured Motorist Coverage?
You probably know that Florida drivers are required to carry a minimum amount of liability insurance, but what you may not know is that they are not required to carry bodily injury (BI) liability insurance. That means that even those drivers who meet the legal insurance requirements do not necessarily have any funds available to pay for your medical bills and other losses if they seriously injure you. Uninsured/underinsured motorist coverage (UM/UIM) is insurance you carry to protect yourself and your family if you are hurt in an accident. Please do not hesitate to talk to our experienced auto accident attorney to learn more.
Uninsured/Underinsured Motorist Coverage
Technically speaking, you can try to sue the at-fault driver who caused your injuries, but in reality most people do not have the assets to pay up, even if you win. UM/UIM coverage gives you the ability to turn to your own insurance company for compensation if you are injured by an uninsured motorist or a driver who has some insurance but not enough to cover your damages.
UM/UIM also covers you if you are injured in a hit-and-run accident and the driver cannot be identified or located.
Damages Recovered in Uninsured/Underinsured Motorist Cases
With UM/UIM coverage you may be able to recover compensation from your own insurance company for economic and noneconomic damages such as:
- Medical expenses and future medical expenses
- Lost income and future lost income
- Lost earning capacity
- Pain and suffering
To learn about UM/UIM coverage and your accident, please call the Florida Firm at (407) 712-7300 or contact us online today to schedule your free consultation with an Orlando auto accident attorney.