Uninsured/underinsured motorist coverage for drivers in Florida.

Uninsured/underinsured motorist coverage is important to have while driving in Florida. According to a new study by the Insurance Research Council (IRC), it was reported that approximately 23 percent of Florida drivers are uninsured, the fifth highest percentage of uninsured drivers in the nation. What this means is that you may be involved in an auto accident with an uninsured driver.  If this happens, uninsured motorist coverage will provide coverage for medical treatment, and also for medical treatment if the at-fault driver is underinsured for the total amount of damages you sustained during the auto accident.

If you were not aware, Florida only requires drivers to carry Personal Injury Protection(PIP) or No-fault insurance, and Property damage liability coverage. It is not required to carry bodily injury liability coverage, which covers you for bodily injuries sustained by any person who was not at-fault for the accident(potential plaintiff(s)).  Therefore, since it is not required, many drivers forego getting the optional bodily injury liability coverage.

When you get a chance, take a look at your auto insurance coverage to determine whether you have uninsured motorist coverage.  If you do not currently carry it under your auto insurance policy, I would advise seeking additional uninsured motorist coverage prior to any further trips in your vehicle.  An auto accident without uninsured motorist coverage could be detrimental to you and your family.

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