Do you need uninsured motorist coverage in Florida?

Uninsured motorist (UM) coverage is not mandatory in Florida, but it's highly recommended. With a high percentage of uninsured drivers in the state, UM coverage provides valuable financial protection in case you're in an accident caused by someone without insurance.

Why are so many Florida drivers uninsured?

Florida has a high rate of uninsured drivers for several reasons, including the high cost of car insurance in the state, a large transient population with seasonal residents who may not maintain coverage, and potentially weak penalties for driving uninsured.

What happens when an uninsured driver hits you in Florida?

If an uninsured driver hits you in Florida, your PIP coverage will kick in first to cover your medical expenses and lost wages, up to the policy limits. However, PIP may not cover all your damages, especially in severe accidents. Uninsured motorist coverage can help bridge the gap by providing additional compensation for medical bills, lost wages, and pain and suffering.

Can I sue an uninsured motorist in Florida?

Yes, you can sue an uninsured motorist in Florida to recover damages. However, collecting compensation can be challenging. Uninsured drivers may not have the resources to pay a judgment, and the process can be lengthy and expensive. Uninsured motorist coverage can help ensure you receive financial compensation regardless of the at-fault driver's ability to pay.

Home
Legal Insights
Insurance
Uninsured Motorist Coverage in Florida

Uninsured Motorist Coverage in Florida

Written by Abigail Anderson