“Anything that can go wrong will go wrong.”
– Murphy's Law
Almost a quarter of the population driving in Florida does not have car insurance.
Let that sink in for a minute.
One-fourth of the people you and your passengers share the road with are not insured.
Not only is it illegal to drive without car insurance, but it can have costly consequences if you find yourself on the receiving end of an accident with one of these drivers.
Uninsured Motorist Coverage
Uninsured motorist (UM) coverage is an additional protection that you can purchase with your auto insurance policy. Think of it as your shield against Murphy's Law for driving.
In Florida, uninsured motorist protects you if the at-fault driver is not insured, or does not carry enough insurance to compensate you for your injuries, which can result in hefty medical bills and lost income if your injuries are serious.
Anything That Can Go Wrong Will Go Wrong
Imagine that you are driving your car and stopped at a red light. Suddenly, another driver rear-ends you.
You get out of your car and realize your neck is bothering you. As you wait for the police and the EMT to arrive, you pull out your insurance card, waiting for the other driver to do the same. The other driver nervously reveals he does not have car insurance.
Because you have uninsured motorist coverage, you will look to your own insurance company to compensate you for your injuries, pain and suffering, and other out-of-pocket expenses.
Protect Yourself With Uninsured Motorist Coverage
There are, and always will be, risks whenever you drive. Even when you follow all the rules and do everything right, accidents happen. Uninsured motorist coverage is the protection you hope you'll never have to use ... until you do.
The car accident attorneys at Schiller, Kessler & Gomez, PLC are happy to help review your current auto insurance policy and give you guidance to best protect yourself against uninsured drivers. Call our offices anytime at (800) 350-FIRM or contact us online for a free consultation.