Believe it or not, the State of Florida does not require that you carry Uninsured Motorist benefits on your automobile policy. Uninsured motorist (UM) insurance is coverage that protects you and your family from other drivers that do not carry any (or sufficient) insurance.
If you are injured by another driver’s negligence in Palm Beach County or elsewhere in Florida, and the other driver does not have any insurance or enough insurance to cover all the damages, you can utilize your own UM benefits to make up the difference. For example, if a serious accident leaves you with a hospital bill of $100,000.00 and the other driver has a $10,000 insurance policy, you will be personally responsible for the balance of $90,000.00. If you have UM coverage of $100,000, your own policy will pay that balance. If not, it comes out of your pocket. Look into it. Sometimes as much as $100,000 in UM coverage costs only a few extra dollars a month. It’s money well spent!
If you’ve been in a motor vehicle accident and need to speak with a personal injury lawyer, call Jeff on his cell phone now. 561-801-JEFF. We have staffed offices in North Palm Beach and Stuart (Martin County) but we represent clients throughout the state of Florida.