Why You Need Uninsured Motorist Coverage

The Risk of Not Having Uninsured Motorist Coverage

Imagine you’re in a car accident. It’s stressful enough, but then you find out the other driver doesn’t have insurance. Now you’re stuck covering repair costs, medical bills, and more—all out of your pocket. Unfortunately, this scenario isn’t uncommon. Millions of drivers are uninsured, and if you don’t have uninsured motorist coverage, you could be left unprotected.

What Is Uninsured Motorist Coverage?

Uninsured motorist (UM) coverage is an insurance policy designed to protect you if you’re involved in an accident with a driver who doesn’t have insurance. Instead of relying on the other driver’s policy to cover damages, UM coverage ensures that your expenses, such as medical bills, lost wages, and vehicle repairs, are taken care of.

In many states, this type of coverage is optional, but it’s a critical safety net that could save you from significant financial stress.

Uninsured Motorist (UM) Coverages Available in Florida

In Florida, uninsured motorist (UM) coverage provides financial protection if you’re involved in an accident caused by a driver who lacks sufficient insurance. Here are the key UM coverage options available in the state:

• Uninsured Motorist Bodily Injury
• Covers medical expenses, lost wages, and other costs related to injuries you or your passengers sustain in an accident with an uninsured or underinsured driver.
• Available in limits that typically match your bodily injury liability (BI) coverage, such as $10,000, $25,000, $50,000, and higher.

• Stacked vs. Non-Stacked UM Coverage
• Stacked Coverage: Allows you to combine coverage limits across multiple vehicles on your policy, providing greater financial protection.
• Non-Stacked Coverage: Offers UM coverage for a single vehicle, typically at a lower premium, but without the additional benefits of stacking.

UM coverage is optional in Florida but highly recommended to protect yourself financially in the event of an accident involving uninsured or underinsured drivers.

Pros of Having Uninsured Motorist Coverage

Having uninsured motorist coverage offers several significant advantages:

• Financial Protection: Avoid paying out-of-pocket expenses for medical bills and vehicle repairs after an accident with an uninsured driver.
• Peace of Mind: Drive with confidence knowing you’re protected, regardless of the other driver’s insurance status.
• Coverage for Hit-and-Run Accidents: Many policies include coverage for hit-and-run incidents, ensuring you’re not left vulnerable in these situations.
• Affordable Add-On: Compared to other types of coverage, UM insurance is relatively inexpensive and can provide extensive benefits in case of an accident.

Don’t Wait: Get Uninsured Motorist Coverage Today

Protect yourself and your loved ones from the financial burden of accidents with uninsured drivers. Contact your insurance provider to explore uninsured motorist coverage options and add this essential protection to your policy. Peace of mind is just a policy away!

Contact Us Today for a Free Consultation

Accidents don’t follow a 9-to-5 schedule, and neither do we. Schedule a consultation at no cost—whether in person or over the phone.

East Florida:
Call us at (954) 834-0404 or visit
685 E Hillsboro Beach Blvd, Deerfield Beach, FL 33441

West Florida:
Call us at (813) 200-5894 or visit
2925 Alt 19 N, Suite B, Palm Harbor, FL 34683

Email: receptionist@retamarmillian.com