You definitely need Uninsured Motorist Coverage!!  Florida Law requires you to have auto insurance.  The insurance covers personal injury protection (also known as PIP) and property damage liability (which covers the other person’s car damages in a crash.)  PIP coverage is mandatory!  It provides up to $10,000 in medical payments, loss of income, and potentially funeral benefits. In order to use this coverage, a medical professional must be consulted within two weeks of the accident.  Also, you must have a doctor determine that an “emergency medical condition” exists in order to be able to see a chiropractor for your car crash injuries.  Although many insurance agents describe this as “full coverage,” it really is the minimum.  Unfortunately, it is not enough to protect you and your family if you get into a car accident.

Did you know that 1 in 4 Floridians do not carry any type of insurance, despite the fact that some insurance is mandatory according to the Orlando Sun Sentinel.  The Broward, Miami Dade and West Palm Beach counties make up one of the most dense and diverse population centers in the United States.  People come from all over the world and driving laws are all different.  According to the Florida Department of Transportation, 21 million cars are registered in Florida, which means there are over 5 million uninsured cars being driven in Florida, right now.  How do you protect yourself while driving?

Consequently, a serious car accident can happen.  They can suffer from major injuries and the people are not covered by uninsured motorist coverage.  Uninsured Motorist coverage (known as “UM”)  protects you for damages if the negligent driver, or owner, did not have bodily injury liability coverage.  While this may cost more money, it protects you due to the negligence of another.  Compare this to liability coverage.   From bodily injury or property damage, it protects the world against your possible negligence.

An insurance company is obligated to offer you Uninsured Motorist coverage equal to your property damage coverage. Many people, in an effort to save money, choose to reject Uninsured Motorist coverage. The cost depends upon many factors.  For example, your driving record, your resident relatives, and the density of the population where you live.  For less than a cup of coffee per day, you can have Uninsured Motorist coverage.  It could prove as invaluable in the event of a serious car crash. Florida has been rated the 20th most likely state in which to be involved in an auto accident.

If you live in Florida, you are 25% more likely to be involved in a fatal car crash, sometime in your life.  Uninsured Motorist coverage is a MUST!

Also, buying Uninsured Motorist coverage is a judgment call that only you can make.  It may have tragic consequences. In the event of a serious accident, you may not be covered for your property damages or your personal injuries.  There is a  high probability that the other driver will not have bodily injury liability coverage.  The Law Offices of Joseph Dawson highly recommends that you give serious consideration to the extra expense.  If you drive often or have a family, they are also protected while in your vehicle or the vehicles of friends and relatives.

Furthermore, if you are unsure as to what type of coverage you have, you should contact your insurance agent, now.  Get clarification for this important question. Call us to speak with one of our lawyers at The Law Offices of Joseph Dawson regarding your Uninsured Motorist, we can help!  We can determine if your current coverage is adequate for your needs and protects you.  We will evaluate your insurance needs and insurance coverage.  Just in case you are involved in an accident, make sure you are fully protected!