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What is Uninsured Motorist Coverage For Auto Accidents?

What is Uninsured Motorist Coverage For Auto Accidents?

This Shaked Law Firm article will help explain what Uninsured Motorist Coverage "UIM" is, why it’s important, and why all safe Florida drivers need it.

For every safe driver, there is another driver lacking auto insurance. In Miami, Florida where few maintain car insurance, it’s problematic. In big cities, people are always trying to get somewhere too quickly. Whether they’re running a red light, texting, or failing to signal. These are all reckless actions, and can result in serious accidents.

How is Uninsured Motorist Coverage protecting Florida drivers?

Sometimes a driver at-fault lacks insurance and in the worst-case scenario, take off before exchanging information. This leaves drivers with a totaled vehicle and very little recourse.

This is why Personal Injury lawyers recommend UIM to every client. To minimize the cost of serious auto accidents, there’s Uninsured Motorist Coverage. Drivers call this “UIM” coverage. This Shaked Law Firm article will help explain what UIM is, its importance, and why all safe Florida drivers use it.

What’s the difference between Uninsured and Underinsured Motorist Coverage?

There are two different categories of coverage that protect safe drivers from paying out of pocket after a Florida auto accident:

  1. Uninsured motorist bodily injury coverage (“UMBI”). This type of insurance covers injury expenses ranging from lost wages to medical expenses. This type of insurance protects drivers should an accident become a hit and run.
  2. Uninsured motorist property damage coverage (“UMPD”). This type of insurance covers anything that happens to the car during an accident. This form of insurance does not cover any damage or injuries sustained in hit and run accidents.

When is Uninsured Motorist Coverage necessary?

The short answer is: always. UIM coverage is necessary as soon as a smart driver purchases a car.

Now, let’s look at in what situations a driver would actually use it:

  • The driver at-fault lacks insurance. This happens in cities like Miami, where very few drivers have auto insurance. Some drivers do have it, but it’s insufficient.
  • UIM eliminates the necessity that Florida drivers pay for any accident for which they’re not at-fault.
  • In states with higher rates of drivers without car insurance such as Florida, coverage can cost more.

How does coverage work?

Next, we’ll investigate how UIM coverage works.

When a driver suffers an auto accident, they file a claim with the other driver’s insurance. The insurer pays for repairs. Or, if the car is a total loss, replacing it can be part of the policy. Medical expenses, and any financial losses resulting from auto accidents can also fall under the policy.

However, there are some instances in which the driver at-fault does not have enough coverage.

In South Florida, it’s common for drivers to have no insurance at all.

It’s estimated that about 1 in 8 drivers are completely uninsured. Without Uninsured Motorist Coverage, drivers end up paying completely out of pocket for everything. If the vehicle is totaled, the driver may have to pay out of pocket to replace it!

Shaked Law Firm values safety of Florida’s drivers

Accident lawyers see too many clients sustain injuries in auto accidents. Usually, they’re due to Recklessness or Negligence. TBI, Spinal Cord Injuries, and Wrongful Death can be reduced by educating Florida drivers about the importance of adequate car insurance.

Drivers should take their own safety and the safety of other drivers on the road seriously. The safety of pedestrians should be a priority, too. The first step to safeguarding against any possible auto accidents is UIM coverage.

“I’m a great driver!” is never an excuse to opt out of having auto insurance.

Coverage is about what the driver can afford. Whether it’s minimum coverage, or the works. Having some coverage is better than having zero coverage. Whether a driver is rear ended because another driver is texting, or a brand new car is cut off in traffic, driving is dramatically safer simply by opting to purchase car insurance.

Does Florida require UIM coverage for drivers?

In certain states, sometimes Uninsured Motorist Coverage is a requirement. Despite the fact very few Floridians have car insurance, however, it is not a requirement. Just because it’s not Florida law, it doesn’t mean drivers should opt out.

Safe drivers know they need UIM. Having this policy is important to safeguard against accidents that occur due to the Recklessness or Negligence of another. Often when a driver is rear ended while another driver is distracted, whiplash injuries occur. When this happens, irresponsible drivers may get away without providing their information, and that’s where Uninsured Motorist Coverage saves time and money. The Personal Injury process moves more smoothly when a driver has UIM coverage.

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