Although uninsured motorist coverage isn’t mandatory in Florida, insurance companies are required to offer it. Most uninsured motorist coverage plans also include underinsured motorist coverage. Keep reading to learn why you need underinsured motorist coverage.
How Uninsured Motorist Coverage Protects You
Underinsured coverage would insure you if the driver of a vehicle that caused your injuries doesn’t have sufficient policy limits to cover your damages. If you or any occupant of your vehicle are injured in a crash that’s caused by an uninsured or underinsured driver, you’re covered under your uninsured motorist coverage for:
– Medical expenses incurred and reasonably to be incurred in the future
– Lost earnings not paid by your no-fault coverage plus lost earnings reasonably to be lost in the future
– Pain and suffering
– Permanent disfigurement
– Permanent disability
– Loss of a normal life
How Uninsured Motorist Coverage Works
Your uninsured coverage can’t be in excess of your liability coverage. If you have more than one car, your uninsured coverage has to be in the same amount for each car. However, Florida law permits stacking coverage for two or more vehicles. This means you’re allowed to maximize your benefits. Your uninsured coverage might even cover you or a family member as a pedestrian, bicyclist or the victim of a hit-and-run.
Call Laporte, Mulligan & Werner-Watkins After a Car Accident
Florida has one of the highest percentages of uninsured drivers in the country. Notwithstanding that, many agents don’t give sufficient information about why uninsured motorist coverage is so important, or buyers ignore its importance.
At Laporte, Mulligan & Werner-Watkins, we can’t stress the importance of uninsured motorist insurance enough. Get a free consultation and case evaluation from Laporte, Mulligan & Werner-Watkins right away if you’re involved in an accident with an uninsured or underinsured driver. Just call us at 27-478-4125, or use our online contact form.