What Is Uninsured Motorist
Uninsured or underinsured motorist insurance is a type of insurance you can
carry to protect yourself if an uninsured or underinsured driver causes injury
to you. In Florida, although each driver is required to carry Personal Injury
Protection insurance and Property Damage Liability insurance, there is no law
that requires drivers to carry coverage for injuries they might cause. In other
words, if someone is carrying minimum coverage and runs a stop sign and hits you
and you are injured, they might not have insurance which will pay you for the
damages you sustained. However, if you carry uninsured motorist insurance, you
can make a claim with your own company who would act as though they insured the
party who caused the accident. Under Florida law this is true even if the party
who caused the accident carried some insurance but not enough insurance to fully
compensate you for the damages you sustained. Many people drive without any
bodily injury liability insurance. Therefore, uninsured motorist coverage is an
important protection for you and your family should you be involved in an
accident with an uninsured driver.
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