What is uninsured/underinsured motorist coverage?

Uninsured/underinsured motorist coverage is a type of car insurance in Florida that provides protection against drivers with minimal or no car insurance coverage. This type of coverage is often referred to as UM/UIM coverage. It helps cover the costs of medical bills, pain and suffering, lost wages, and property damage that occur as a result of an accident with a driver who does not have adequate coverage. UM/UIM coverage is optional, and it is important to understand that it is separate from the liability coverage that is typically required under Florida law. To obtain coverage, you must purchase it as an add-on to your existing car insurance policy. UM/UIM coverage can be beneficial in the event of an accident if the driver who caused the crash does not have enough insurance to cover the damages. It is important to note that this type of coverage is only applicable when the other driver is at fault and has inadequate coverage. If you cause an accident, your own UM/UIM coverage will not apply. It is important to understand the amount of coverage you have and the limits it provides to ensure that you are protected in the event of an accident. It is also important to remember that in Florida, all drivers must have some form of car insurance. Uninsured/underinsured motorist coverage can provide peace of mind, if you’re ever involved in an accident with someone who does not have enough coverage.

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What is uninsured/underinsured motorist coverage?

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