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Uninsured Motorist Coverage: Why You Need It

Florida ranks among the top five states that have the highest percentage of uninsured motorists on our roads. Recent studies by the Insurance Research Council indicate 24% of Floridians fail to carry insurance coverage.You might asking yourself how this staggeringly high number impacts you? You are one of the responsible drivers who looks twice before changing lanes, you keep your hands firmly planted at 10:00 and 2:00 and understand that a yellow light means caution. The problem is these same principles are not shared by all drivers and if you or your family members are involved in a collision with any one of the 24% of uninsured motorists, you are responsible for any unpaid medical bills and will have no recourse for lost wages, loss of function or permanent injuries. Electing uninsured motorist coverage on your insurance policy can prevent this from occurring.

Florida requires that all licensed drivers carry coverage to protect property damage and their own personal injuries with the minimum legal limits set at $10,000 in personal injury protection and $10,000 in property damage liability. However, the law does not require licensed drivers to carry coverage for injuries caused to others.

This means if you and your occupants suffer injuries from an accident involving an uninsured or underinsured motorist, your own uninsured motorist coverage is available to you and the occupants of your vehicle.

When compared to the rising costs of medical care and treatment, the costs of electing to carry uninsured motorist coverage on your policy is minimal. Consider that the average cost of being transported by helicopter if you or one of your occupants is seriously injured in a collision will often exceed the minimum $10,000 in coverage many drivers elect. Unsure if you elected this coverage? Contact your insurance carrier or check your policy declarations page to make sure you elected this optional yet important coverage.

About the author: Michael L. Mastrogiovanni is a partner at the Mastrogiovanni Law Firm and practices in greater Tampa Bay Area. If you or your family members have been injured in any type of accident involving an automobile, contact our office today for a free consultation regarding your rights and what we can do to help you. You pay no fees or costs unless we are successful in resolving your claim.