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Importance of Uninsured Motorist Coverage in Florida

No matter how carefully you drive, you cannot control the actions of those around you on the road. While it is important to do your part by remaining alert behind the wheel and refraining from distracted driving, others are not always so cautious.

Recently in Miami-Dade, a rollover accident occurred early in the morning after the driver lost control of their vehicle. The cause is still known, but if another vehicle cut them off or caused the accident in some way, the injured driver may be able to seek out financial help by filing an uninsured motorist (UM) claim.

Why get UM/UIM coverage?

If you have been hit by another driver and left to deal with the aftermath alone, this type of situation is called a “phantom driver” in Florida. It is critical in Florida that all drivers have UM/UIM coverage for accidents such as this.

You can file a claim against your own UM /UIM coverage if you were the victim of a hit and run, allowing you to potentially recover compensation even though you are unable to file a claim against the responsible party. The coverage kicks in after your personal injury protection coverage has been exhausted.

You can receive coverage for the following:

  • Lost income while you are unable to work
  • Pain and suffering
  • Hospital bills and other medical costs

Without this coverage, you could be responsible for paying for other expenses out of pocket. You should not have to face this time alone and be left to cover the costs on your own. At Rosenberg & Rosenberg, P.A., our Fort Lauderdale personal injury lawyers understand how tricky insurance companies can be and how even seemingly simple claims can be denied, delayed or underpaid.

Call for your free consultation with our firm today to get the legal representation you need, whether you have UM/UIM coverage or not. We can help you discern your best option for moving forward.