The Most Important Automobile Insurance Coverage

This automobile insurance coverage is crucial for everyone who travels on the roads of Florida. Unfortunately, many people realize the importance of UM coverage too late—after they or their family members have been injured by an uninsured or underinsured motorist.

Uninsured or Underinsured Motorist Coverage is, in essence, liability insurance coverage that covers you in the same way as your liability insurance coverage provides compensation for the people that you might injure through careless driving. Your UM coverage provides compensation for you, the members of your family and any other persons in your vehicle.

Since Florida does not require that all drivers carry liability insurance, the likelihood of being in an automobile accident with someone who does not have liability coverage or has inadequate coverage, is substantial. In the event the other driver does not have liability insurance or has inadequate liability insurance, then you may make a claim under your UM coverage.

Without UM coverage, you may not be able to be compensated for your injuries if the other driver did not carry liability insurance coverage.

If you carry liability insurance, your insurance agent must offer you the same limits of UM coverage. If you reject the coverage or elect lower limits of coverage, the agent must have you sign an UM selection form. Please consider this decision carefully. In order to protect yourself and your family we strongly urge you to purchase UM coverage and to purchase the highest limits offered to you. The relatively modest premium charged for UM coverage is money well spent.