There are millions of motorists on the roads of the Florida today, but not all of them have auto insurance even though it is required by law in one form or another. Some people do have auto insurance, but with only minimal coverage. Uninsured Motorists insurance is for drivers that already have auto insurance, but its purpose is to protect already insured motorists against uninsured or underinsured motorists. For instance, if an accident occurs involving you and an uninsured or underinsured (minimal coverage) motorist, then the uninsured motorist coverage of your policy “steps into the shoes” of the party at fault to provide coverage and possible settlement monies for your injuries, out of pocket medical expenses and other related damages (but not the cost of repairs to the vehicle that were incurred during the accident, which would be covered under the property damage coverage of the party at fault or the Comprehensive/Collision coverage which you should have on your own policy).

If there is minimal or no liability coverage for the parties at fault, you could qualify for your own uninsured motorist coverage policy, as well as any uninsured motorist coverage in place for someone else’s vehicle you may be at the time of a car accident. So, it is very important to have uninsured motorist coverage on your policy. Do not wait for a car accident to occur to start asking these questions, because then it will be too late. Please feel to contact the Firm with any question you have concerning uninsured motorist coverage or any other insurance questions.

This entry was posted on Monday, June 22nd, 2009 at 10:13 am and is filed under Uninsured Motorist Coverage. You can follow any responses to this entry through the RSS 2.0 feed. Responses are currently closed, but you can trackback from your own site.