As the economy continues to pose challenges for average Americans, with the price of gasoline and other commodities becoming increasingly expensive, the purchase of proper automobile insurance coverage becomes a task that requires some critical decisions. As a personal injury trial lawyer for over 40 years, I have experienced the heartbreak of having to explain to persons injured in violent traffic crashes that there is no insurance to cover their damages. Each of them failed to understand why uninsured motorist coverage is so critical for anyone who drives, or rides in a car in Florida.
They weren’t aware that Florida law does not require a driver to purchase bodily injury liability insurance, so many vehicle owners very frequently fail to purchase liability insurance. As a result, approximately 21% of all motor vehicles registered in Florida are not covered by bodily injury liability coverage, and many others carry policies of less than $10,000, leaving Florida the second most underinsured state. Simply stated, if you do not own your own insurance, called uninsured motorist coverage, then you and your family are risking serious injury with no hope for compensation.
The need to purchase uninsured motorist insurance, which would cover your own injuries and those of your relatives residing in your household, is more critical than ever. The purchase of the appropriate type and amount of insurance has become more complicated as more people than ever are buying their car insurance online without the advice of an insurance agent or from substandard insurance companies that fail to advise of the importance of uninsured motorist coverage.
Far too frequently, I have to explain to clients that there is no insurance to cover their damages because the person who caused the traffic crash was not insured, and they did not purchase uninsured motorist coverage. Do not wait until it is too late to explore uninsured motorist coverage for you and your family. Protecting yourself from the uninsured driver is vitally important and well worth the cost.
Let me explain further by calling my office at 954-467-2100 or contacting my firm via email at mail@dawsonlawfirm.com. Or, if you are a loved one has been injured in an automobile accident, call for a free consultation regarding how to recover for your injuries.