Uninsured Motorist Coverage For Florida Automobile Accidents More Important Than Ever

January 24, 2009
By Dan Irving Cytryn, Esq. on January 24, 2009 3:38 PM | | Comments (0)

More automobile accidents are occuring in Florida involving drivers without uninsured motorist coverage, in large part, because of the downturn in the economy.

In Dade County, the number of uninsured motorist automobiles has been estimated to be as high as sixty-three percent, and although in Broward County, the number is not as high, it is higher than most of Florida, and has a higher percentage of uninsured motorists than most states in the U.S.

The Insurance Research Council recently reported that we can expect an increase in uninsured motorists by the year 2010 here in Florida, and that Florida had the fifth highest number of uninsured motorists in the U.S. 23%.

Why Is Uninsured Motorist Coverage Important?

Uninsured motorist coverage in Florida covers you and your household family members if you or they are involved in a vehicle collision with an uninsured motorist. The coverage can include payments for medical bills, lost wages, and intangible damages such as compensation for pain and suffering. In addition, it also covers you if you're involved in a collision and the other person does not have enough insurance coverage. Many people purchase bodily injury insurance coverage, which protects them to that extent if they are negligent in an accident, but little, and sometimes nothing, to protect themselves. This makes no sense.

We suggest that at minimum, everybody should have at least the same amount of uninsured motorist coverage as their bodily injury liability coverage. In addition, that uninsured motorist coverage can be "stacked" so that the amount of coverage can be increased to exceed what would otherwise be allowable by law by "stacking" the coverage on every vehicle. Finally, if you have a large enough amount of coverage, usually $100,000.00, on your home and your vehicles, then you can actually purchase an umbrella uninsured motorist policy usually offered by companies in increments of even up to $1 million or more.

The morale of the story: Make sure you and your loved ones are adequately covered in these times of economic stress. The last thing anyone needs is an uninsured motorist causing a severe accident, turning someone's life upside down, with little or no recourse.

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Dan Cytryn is a Florida accident and injury lawyer practicing for more than 27 years

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