Uninsured or under-insured motorist insurance coverage is an extremely important asset to your auto insurance policy. If you’re asking yourself, “Do I need uninsured motorist coverage?” The answer is definitely, “yes.” It’s so important to have uninsured motorist coverage because many Florida residents drive without any liability insurance at all to cover the injuries they cause. That means if they hit you, you’ll be paying for it out of your own pocket.

Your insurance company is required by law to offer uninsured motorist coverage as part of every automobile policy written, unless you specifically decline it in writing. Coverage is usually designated on the face page of your automobile insurance policy by the letter or letters “U” or “UM.”

When you purchase uninsured motorist coverage as part of a policy, it affords coverage for you and all family members who reside in your household. If you have any questions about what should be included in your policy, give us a call.

Who can make a claim against an uninsured motorist auto insurance policy?

You do not have to be an automobile driver or passenger in order to be eligible for UM benefits. Your automobile uninsured motorist policy applies even if you were a pedestrian, bicyclist, motorcyclist, or bystander, so long as the motorist who caused your injuries was uninsured or underinsured.

Your uninsured motorist coverage also applies for the benefit of other passengers in your car or other people driving your car with your permission, and who are injured by an uninsured or underinsured driver.

When can I make a claim against an uninsured motorist auto insurance policy?

Uninsured motorist vehicle coverage comes into play whenever anyone who is insured is injured by a driver who is uninsured or underinsured (does not have enough insurance to pay for the damages caused). In regard to a claim for injuries, an uninsured driver includes a hit-and-run driver, so long as there is some actual contact from the hit-and-run driver’s vehicle. (Note: However, an unidentified hit-and -run driver is not considered an “uninsured motorist” for the purpose of damage to your car.”)

Unfortunately, some drivers are not covered appropriately by their insurance.

In the event of an accident, you may find that either you, or the other vehicles involved in the accident, are uninsured or under-insured. Should this unthinkable situation arise, our lawyers know how insurance claims and uninsured motorist coverage works. Give us a call to schedule a free consultation.