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Given the fact that there are so many uninsured drivers in the South Florida area, we believe that each person that carries automobile insurance should also carry uninsured/underinsured motorist coverage (also known as UM coverage). This coverage is so important as it may be the only way for a hurt individual to recover any type of damages for injuries stemming from a car accident. For example, in most “hit and run” accidents, the adverse driver is never found. For that reason, an injured party will most likely not be able to recover damages from the “hit and run” driver. Thus, UM coverage would allow an injured person to recover damages for their injuries from their own insurance carrier. Likewise, if a person is injured by a driver that carries minimal insurance ($10,000.00), and that person’s damages are $20,000.00, for example, having UM coverage would provide that person with an ability to be fully compensated for their injuries. While the costs and the varying types of UM coverage should be discussed with an insurance agent, we believe that all drivers should fully consider UM coverage given the significant number of uninsured and underinsured drivers in the South Florida area.
This article does not constitute legal advice or the formation of an attorney-client relationship, and is not for re-publication without express permission of the author.