Hands on a steering wheel inside of a car.

Importance of Uninsured Motorist Coverage in Florida

Understanding Uninsured Motorist Coverage

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 — and if involved in a car crash with another driver that is underinsured or has no insurance coverage at all, it can make the ordeal that much more stressful. However, here’s how uninsured motorist coverage can help relieve this burden.

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 (PIP) coverage has been exhausted.

Learn more about PIP coverage here: How Does PIP Insurance Work in Florida?

You can receive coverage for the following under UM/UIM:

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

Related Article: Is Uninsured Motors Coverage Necessary in Florida?

It’s important to note that uninsured motorist coverage does not cover property damages to your own vehicle. For property damage, you would need to make a claim of the negligent driver’s property damage coverage or your own collision coverage.

Involved in an Accident with an Uninsured Motorist? We Can Help.

Without UM/UIM 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.

Whether you have UM/UIM coverage or not. We can help you discern your best option for moving forward.

Contact Rosenberg & Rosenberg, P.A. today at (888) 499-6206 to schedule a free consultation.


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  • Serving the Local Community of Florida for 50+ Years
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Contact Rosenberg & Rosenberg, P.A. Today!

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