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How Important is Uninsured Motorist (UM) Coverage?

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According to the Insurance Research Council, nearly 14% of all car accidents in the United States are caused by an uninsured motorist—which may have something to do with the fact that 16.1% of all drivers in the country are uninsured. This does not even account for the countless other drivers who are underinsured, so the West Palm Beach personal injury attorney at The Law Offices of Casey D. Shomo, P.A. encourages you to learn more about the importance of acquiring an adequate level of uninsured motorist (UM) and underinsured motorist (UIM) coverage. In the past month alone, our firm has represented two clients who were catastrophically injured by uninsured drivers. Neither had UM or UIM coverage, which can make it particularly difficult to recover compensation.

Although Florida law does not require drivers to purchase this form of insurance, you must keep in mind that there is an extremely high number of uninsured motorists in the state. UM and UIM coverage was designed to protect you from significant financial and non-financial losses after an accident, and although the other driver may have broken the law by driving without insurance, it would be up to you to find a way in which to recover compensation. Most people assume that they could file a claim with their own insurance company to obtain reimbursement for the cost of their medical treatment, lost earnings and out-of-pocket expenses when the other driver is uninsured, but your policy will not cover these losses unless you have specifically obtained UM or UIM coverage.

Regardless of how significant your bodily injury (BI) insurance policy may be, it will not cover any of the injuries that you, yourself have sustained. Rather, this type of insurance coverage is designed to compensate other drivers or pedestrians for the injuries that you have caused. For this reason, you should not hesitate to review your current policy and make adjustments accordingly. It is relatively inexpensive to add uninsured motorist coverage to an existing policy—especially when you consider the level of protection that it would afford you—so there is no reason why you should hesitate to take this very important step. If you have questions about what type of policy is right for you, the dedicated legal team at our firm would be happy to help.

This is also true if you have already been involved in an accident with an uninsured or underinsured driver in West Palm Beach, FL. The Law Offices of Casey D. Shomo, P.A. welcomes the opportunity to review your case and assist you in securing the level of compensation that you deserve. Call today at (800) 690-7868 for a free initial consultation.