The Importance of Uninsured Motorist Coverage

Auto Accidents , Legal Blog , Personal Injury

Most people do not realize the importance of uninsured motorist coverage.  This type of auto insurance covers damages to a person injured in an automobile accident when the at-fault driver either does not have insurance coverage or does not have an adequate amount coverage.

In essence, uninsured motorist coverage takes the place of liability coverage for the at-fault driver and provides an injured person with an ability to make a recovery for outstanding medical bills, lost wages, pain and suffering and other damages.

In Florida, individuals have the ability to “stack” uninsured motorist policies. This means that if you have more than one vehicle in your household with uninsured motorist coverage, you can stack (or add together) the total amount of each policy.

So if you have three cars with uninsured motorist coverage of $50,000 on each car, you can “stack” these vehicles together and have a total of $150,000 in uninsured motorist coverage to cover you in an accident

Unfortunately, the State of Florida ranks 5th in the United States in the number of uninsured motorists on the highway (approximately 25% of all drivers).  As a result, uninsured motorist coverage is extremely important!

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