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What is Uninsured Motorist Coverage?

by Holliday Karatinos Law Firm, PLLC, posted in Florida Auto Accident, Florida Vehicle Accidents, Truck Accident Blog

With over five decades of combined legal experience, Holliday Karatinos Law Firm provides seasoned legal representation to victims of accidents and negligence. Our North Tampa personal injury attorneys serving Lutz, Brooksville, Spring Hill and Hernando County have aggressively negotiated and litigated on behalf of our clients’ rights to fair compensation for their injuries. We have an in-depth understanding of Florida personal injury law, and significant courtroom experience.At Holliday Karatinos Law Firm, our clients get the personalized attention of a small firm with the financial ability to take any case, no matter the size.

I’m often asked, what is uninsured motorist coverage? Uninsured motorist coverage is coverage that you pay premiums for to your own insurance company to protect you.

Unfortunately, in Florida we do not require that drivers have liability coverage. It’s kind of the Wild West here, people can be driving around in their cars and run red lights, or run a stop sign, and hit you, and hurt you, or maybe even kill a loved one, and they’re not required to have liability coverage. So it’s important to buy uninsured motorist coverage, and what that means is that if the bad guy who causes the accident doesn’t have enough coverage to pay for your harms or losses, the uninsured motorist coverage will pay for their wrongdoing. So you’ve essentially purchased insurance to protect you against the at fault driver to pay, even when they don’t have coverage. That’s extremely important.

By way of example, maybe they don’t even have enough coverage, maybe the at fault driver has a policy that has $10,000 of liability coverage. But if your damages are $100,000, that $10,000 doesn’t help much. If you have uninsurance motorist coverage of $100,000, once the $10,000 is paid, you have another $100,000 to protect you above that. I highly recommend it; think about it: a lot of people that are running red lights or running stop signs were probably not responsible enough to get a good liability policy.

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