Uninsured Motorist Coverage is a Must

By Personal Injury Attorney David Hammer

are you covered?

Did you know that in Florida 1 out of every 5 drivers do not carry bodily injury liability coverage? Bodily injury liability coverage is insurance that the at-fault driver can have to pay you if he or she causes you harm in an automobile accident. Since 20% of drivers in Florida do not have this insurance you can protect yourself by purchasing something called uninsured/underinsured motorist coverage on your own policy. In fact, by law you automatically have this valuable uninsured motorist coverage equal to your bodily injury coverage limits unless you choose to reject uninsured motorist coverage. Do not reject this valuable coverage. Additionally you have the option of stacking your uninsured motorist coverage which means you can multiply the amount of available coverage by the amount of vehicles that you have, for example if you have $100,000.00 worth of uninsured motorist coverage and you choose the stacking form with 2 vehicles you would have $200,000.00 worth of this coverage, with 3 vehicles you would have $300,000.00 worth of coverage. This valuable uninsured/underinsured motorist coverage is much more affordable than you think, so do NOT choose to reject it. Your insurance premiums should not increase if you make a claim against your own policy for uninsured motorist coverage.