Uninsured Motorist Coverage in Florida & Why it Matters
The State of Florida is perhaps one of the most lenient when it comes to motorist insurance requirements in the country, therefore it is recommended to add Uninsured Motorist Coverage to your car insurance policy. 
What are the minimum insurance requirements in the State of Florida?
In the state of Florida, you must show proof of two types of insurance, before you are able to register a 4-wheel vehicle, the two types are:
Personal Injury Protection (PIP): Covers 80% of all needed and reasonable expenses resulting from an injury covered, no matter who was at fault of the crash, with a minimum of $10,000.
Property Damage Liability (PDL): Covers damages to another person’s property caused by the owner of the vehicle, or someone else driving said vehicle, this insurance also has a minimum of $10,000.
What is a No-Fault State?
Florida is a no-fault state, which means each party pays for their respective accident expenses, regardless of who was at fault. That said, the other party could still sue you for damages if they exceed the minimum insurance requirements, therefore it is recommended to have Bodily Injury Liability (BIL) insurance, which protects you in case others are injured or killed due to your negligence.
What is Uninsured Motorist Coverage in Florida?
Although this type of coverage is not required in Florida, it is highly recommended. This coverage pays for the injuries caused by a car accident where the at-fault driver is uninsured or underinsured. It is important to note, this insurance doesn’t cover damages to your car. It covers things such as medical bills, lost wages, disability, pain and suffering, and death amongst others that basically include replacement services for things you are no longer able to do.
Why is it important to have Uninsured Motorist Coverage in Florida?
With the extremely low requirements of insurance in the State of Florida ($10,000 PIP), and the many motorists who unfortunately drive without any insurance coverage whatsoever, it is extremely important to add that this level of protection to your car insurance coverage. If you get hurt by an uninsured motorist, all the expenses related to the injuries sustained during the accident, may have to come from your pocket.
@smithandeulolawfirm What is #uninsuredmotorist coverage? And why it’s important to have if you #liveinflorida #caraccident #insurancesettlement
If you have been involved in a car accident in the state of Florida and would like to learn more about your options, please contact us immediately.
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- Kissimmee
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