What is an Uninsured Motorists Coverage (UMC)?

Uninsured Motorists Coverage (UMC) is a type of insurance coverage that applies when an uninsured or underinsured driver causes an accident. This type of insurance coverage is required by law in the state of Florida. UMC pays for any injuries or damages a driver sustains in the event of an accident with an uninsured driver. This insurance also covers medical expenses that the driver needs to pay because of the accident, and can also help cover lost wages. In Florida, Uninsured Motorists Coverage is a part of any automobile policy, and must include coverage for bodily injury, property damage, and medical payments. The coverage must also include at least $10,000 for each person, per accident. If you choose to add additional coverage, you can add up to $25,000 for each person, per accident. UMC helps to protect drivers and passengers in an accident with an uninsured driver. Although the driver is still responsible for the damage or injury, the fact that he or she does not have insurance is taken into consideration with this type of coverage. This type of insurance helps to alleviate the financial burden of an uninsured driver who is responsible for the accident.

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What is an Uninsured Motorists Coverage (UMC)?

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