In Florida, many drivers either don’t carry insurance or don’t have enough to cover injuries from accidents they cause. As a result, uninsured motorist (UM) coverage is the most crucial insurance protection you can buy.

The Reality of Uninsured Drivers in Florida

Unfortunately, Florida law does not require drivers to carry bodily injury coverage. This means that many people either choose to skip it or are completely uninsured due to high insurance costs. If you get into an accident with someone who lacks insurance or proper coverage, you could be left without compensation for your injuries unless you’re protected by uninsured motorist coverage.

What Is Uninsured Motorist Coverage?

Uninsured motorist coverage is designed to protect you and your family in the event that you are involved in an accident caused by a driver who has no insurance or insufficient insurance. It essentially "stands in the shoes" of the at-fault driver, covering your medical bills, lost wages, and other damages as if they had insurance.

Why You Need UM Coverage in Florida

Given that bodily injury insurance isn't mandatory in Florida, uninsured motorist coverage becomes vital. Without it, you risk being financially responsible for medical bills and other expenses related to the accident, even when the accident wasn’t your fault. UM coverage ensures you don’t bear the brunt of another driver’s lack of responsibility.

Protect Yourself and Your Family

Purchasing uninsured motorist coverage is the best way to safeguard yourself against Florida’s uninsured drivers. At Warner & Fitzmartin, we strongly recommend that you include it in your policy. If you’d like us to review your insurance coverage or provide advice, contact Warner & Fitzmartin today online or at 561-816-5602 to schedule a free consultation. We’re here to help you protect yourself and your loved ones.