Why You Should Have UM In Florida?


Why You Should Have UM In Florida?

Why You Should Have UM In Florida?UM stands for Florida uninsured motorist coverage. Having uninsured motorist coverage in your insurance plan can help to ensure that you can be protected if you are ever involved in an accident where the other motorist is uninsured. With one out of every four drivers in Florida not carrying auto insurance, one of the top pieces of advice that we can give our clients is carrying some form of UIM or UM.

Many consumers will simply breeze over their insurance agreements and let agents recommend the best choices for their families. Asking about uninsured coverage in Florida can help to make sure that if an uninsured driver ever hates you, you’ll be able to recover the full amount of compensation that you need to manage your injuries, damages, lost wages and more. If you’re involved in a car accident with an uninsured motorist, you could be on the hook for the entire cost of the accident.

If you are going to be renewing or purchasing new auto insurance policies it’s very important that you consider this level of coverage to keep your family and yourself safe.

Some of the top reasons to consider uninsured or underinsured motorist coverage:

Uninsured or underinsured motorist coverage will also protect your interests in an accident when a motorist has the bare minimum auto insurance. Many former residents will simply use no-fault insurance. No-fault insurance policies in Florida ensure that insurance companies will only cover the base related expenses and medical bills. This usually equates to compensation of around $10,000 total. If you are seriously injured in a car accident and you need to recover compensation over $10,000, this can often result in a personal injury claim against the other driver which may not be covered under any type of insurance plan.

Accessing additional compensation can often be a long and drawn-out legal battle. For drivers not required to purchase additional insurance that can protect them if they hurt somebody else. Accessing this level of liability is often an additional expense related to insurance. Adding even bodily injury liability can affect insurance cost greatly. Saving on costs can be one thing for a Florida driver blade in may not cover. Their entire injuries on an insurance plan or if they injure other drivers if the driver does not have enough insurance to cover your injuries, damage or spots overpaying for that injury of pocket through a personal injury claim.

Choosing to purchase UM or UIM insurance can help to pay for these initial costs outside of the $10,000 PIP insurance. This could give you access to the additional costs that are associated with your healthcare expenses, pain, and suffering as well as lost wages. Getting access to these funds happens immediately if you have this additional compensation and you filed a claim against your own insurance.

What Amount of UM or UIM is Safe To Purchase In Florida?

If you wanted access to bodily injury liability coverage and protection against an uninsured or underinsured motorist, the amount that you purchase typically depends on what your comfort levels may be and how much you would like to pay for insurance. Plans typically start at $30,000 for BI coverage and you can access more insurance coverages you feel fit.

With even minor injuries after a car accident regularly totaling between $3330-$3500 for an emergency room visit, the cost of care is extended if you are required to stay in the hospital for a number of days. Covering your medical costs for at least a week-long stay in the hospital can be a wise option for your insurance coverage.

Liability issues can often be complex especially when you are involved in an accident with an underinsured motorist or uninsured motorist. The situation can often get messy and what could occur is in need to issue multiple personal injury claims in order to seek the compensation that you need just to cover your medical bills. Preparing for this eventuality and paying for a bit of extra insurance coverage can make sure that you can be covered in the event of a worst-case scenario.

If you are ever involved in an accident from a hit-and-run or from a driver that has an insurance policy that has lapsed, you should consider contacting our experts today. Our legal team can advocate for you as well as recommend the best course of action in starting a personal injury case so that you can recover the compensation that you need to enjoy a better quality of life.

Getting involved in one of these cases is never easy and having access to the legal help that you need to gather evidence early on is important to achieving success in your case. Preparing accordingly and accessing the insurance assistance that you need can help to prevent these issues from affecting your life. If you are interested in working with one of the best insurance attorneys Contact Jenkins Law today for a free consultation!