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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