Why You Should Consider Uninsured Motorist/Underinsured Motorist CoverageEach time you get into your vehicle, you run the risk of being involved in an automobile accident. While you may do your best to practice safe driving, you can’t always count on others to do the same and while Florida mandates that each owner and operator of a vehicle carry auto insurance, many drivers fail to do so. Have you considered choosing Uninsured Motorist/Underinsured Motorist coverage to protect you if you are involved in a car accident with a driver who is uninsured or underinsured?

The Required Minimum Insurance Limits for Drivers in Florida 

Each state has its own mandated auto insurance requirements for owners and operators of automobiles; however, Florida is ranked 5th in the Unites States for the most uninsured auto drivers. Keep in mind that when you are traveling on the roads, over 23% of Florida drivers are driving with no insurance at all, despite the insurance requirements.

Florida requires the minimum auto insurance coverage of $10,000 Property Damage liability and $10,000 Personal Injury Protection (PIP) coverage. If you have had multiple crashes or been convicted of various offenses, you may also be required to carry Bodily Injury liability coverage. If the Florida DMV requires you to carry Bodily Injury liability coverage, the minimum requirement is 10/20, meaning the most your insurance company will pay due to an accident for which you are liable is $10,000 per person, but not more than $20,000 for all injuries from that one occurrence.

Break It Down

This is where having Uninsured Motorist/Underinsured Motorist (UM/UIM) Coverage should be considered. This optional coverage can be purchased for a nominal fee that will provide insurance protection for those situations when you are involved in an accident with an at-fault driver who is operating their car without any auto insurance or someone who has inadequate insurance. Keep in mind that this coverage is for injuries sustained by you and any passengers, but does not provide coverage for your car.

Assume the at-fault driver hits your car in the rear, resulting in significant injuries to you. Hospital bills and medical expenses are escalating yet the driver only carries the minimum Florida insurance requirements. By electing to carry Uninsured Motorist coverage, you will have the needed protection to compensate you for your injuries up to your acquired limits on top of any Bodily Injury coverage that may exist.

Failing to choose this very important coverage means YOU will be responsible to pay for out of pocket expenses due to this accident if the at-fault driver does not have any insurance or is underinsured (not enough insurance).

Peace of Mind for a Nominal Fee

If you have any questions regarding your Florida auto insurance protection or wish to either reconsider having Uninsured Motorist coverage or wish to reevaluate your limits, feel free to contact our office at Ideal Insurance Inc. at 941-921-2102. For a nominal fee, you can rest assured you will have the protection you need and deserve should you be involved with another driver without insurance or inadequate insurance.