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  • Uninsured or Underinsured Motorist

    September 15, 2017
  • Uninsured Motorist or UM Coverage is probably the most important auto coverage you should purchase, especially in Florida. That’s because UM pays for your personal injury losses in case someone with no insurance crashes into you. Remember that Florida does not require automobile owners to purchase liability insurance in case they hurt someone else in an accident. So imagine your driving down the street minding your own business and someone runs a stop sign and crashes into you. Imagine that aside from the pain and suffering associated with that accident, you have $50,000.00 in outstanding hospital bills resulting from this accident. Under Florida law, you would personally be responsible for these medical bills even if someone else caused the accident. Now imagine that the person that caused the accident had no insurance or only had Florida’s minimum insurance requirements which DO NOT cover personal injuries caused to others. What do you do now?