The Importance Of Uninsured Motorist Coverage (UM) In The State of Florida
Uninsured drivers are prevalent throughout the country, and their number is expected to increase due to the current economic situation. Nationally, an estimated one in six drivers is driving uninsured, according to a recent report from the Insurance Research Council (IRC). On the state level, Florida is among the top five states for having the most people driving without insurance (based on data from the year 2007, gathered by the IRC). What, then, would happen if you or a loved one sustained injuries in a Dade County, Palm Beach County, or Broward County, Florida, car accident caused by an uninsured driver? If you have substantial uninsured or underinsured motorist (UM) coverage, your own insurance would provide coverage for many of your medical bills, pain and suffering, and other damages. Without UM coverage, drivers are potentially in danger of being unprotected from financial and physical losses due to injuries sustained in auto accidents. Florida “no fault” coverage may protect you from having to pay medical bills out-of-pocket if you are at fault in the accident, but having “no fault” coverage should not keep you from signing up for substantial UM coverage to ensure that you will be compensated in the case of a car accident with an uninsured driver. If you need more information about acquiring this extra protection or have been injured in an auto accident in Ft. Lauderdale and have questions for an experienced personal injury attorney, call Injury Law Service for a free consultation. 954-807-1334.