Why You Must Buy Uninsured Motorist Coverage

Why You Must Buy Uninsured Motorist Coverage

Before we delve into the article, let us please correct a widely accepted myth. The term “full coverage” is fake in the auto insurance world. There is no set meaning and each agent gives the term “full” coverage their own interpretation. When buying car insurance, don’t get screwed thinking “full” coverage is in fact full coverage. Specifically inquire about each coverage item and make sure you have Uninsured Motorist Coverage.

Car accidents are growing at an alarming rate and have become very common these days. As the South Florida population continues to boom, so does traffic. Whether you are driving a car or motorcycle there is a decent chance of being involved in a crash. What will you do when you get injured in car accidents or motorcycle accidents? What if someone who crashes your car does not have insurance or they have minimal insurance insufficient to cover your full damages? Accidents can be devastating—physically, mentally, and emotionally.

You have to manage all the expenses for medical assistance and vehicle repair. Besides this, you will have to claim compensation from the insurance company, and you have to go through a lot of legal processes, which can make it really difficult to handle on your own. You need the help of professional lawyers who can guide you with all the legal procedures. The professional lawyers will recommend you have uninsured motorist coverage.

You might be thinking, what is uninsured motorist coverage? Why is it crucial to buy uninsured motorist coverage? What all is included in this coverage? The professional lawyers of Aronberg Law Firm are experts and have extensive experience. They will help you understand everything.

Why Do You Need An Uninsured Motorist Coverage?

benefits of uninsured motorist coverage

Florida law does not require people to carry liability insurance for bodily injuries they cause to other people following an auto accident. This means someone can hit your car and you are out of luck in terms of compensation for your injuries. Florida law only requires drivers carry $10,000 of property damage coverage for damages they cause to another person’s vehicle but there is no requirement to cover damages caused to another person’s body—which is quite crazy considering your body is more important then the car.

Furthermore, it is estimated that 25% of Florida drivers on the roadway don’t even carry insurance at all despite state law. There isn’t much penalty for driving without insurance which is why there are so many uninsured drivers.

It is recommended that everyone should have uninsured motorist coverage because it provides a lot of benefits in case of any unfortunate accident. We all have an auto insurance policy, but having uninsured motorist coverage will be a great add-on to the already existing policy. It is quite helpful when you face an auto accident (car accident or motor accident), and you are not the one at fault.

This will ensure that you do not have to worry about the expenses that come along with auto accidents. According to the insurance statistics, almost one in ten auto drivers do not consider having uninsured motorist coverage. It is high time that everyone realizes the importance of this particular type of coverage and buys it.

You can check out different types of uninsured motorist insurance and what is included in each one. You can choose the one most suitable for yourself and get it.

Who Is In Need Of The Uninsured Motorist Coverage?

auto accident

Any person who drives any vehicle — car, bike, or motorcycle needs uninsured motorist coverage. Life is unpredictable, and one does not know what can happen in the very next second. Having an uninsured motorist policy will help you control if any such situation occurs. You do not have to worry about the expenses that would come along with the accident. The party at fault will compensate for the medical expenses and vehicle damages.

How Much Coverage A Person Usually Gets In Uninsured Motorist Coverage?

We recommend $100,000 of uninsured motorist coverage. If you have multiple vehicles, you should purchase the staking option which multiplies your coverage by the number of vehicles you have. For example, if you have 3 vehicles with $100,000 of staking coverage, then you would be entitled to $300,000 of insurance.

What Is The Process Behind The Uninsured Motorist Coverage Policy?

Having uninsured motorist coverage is crucial if you are involved in an auto accident. Odds are the other driver either has no insurance or not enough. If you don’t have this coverage, you will be left with uncompensated damages. Most people don’t know but the basic auto insurance policy actually coverages damages you cause to other but it does not always cover damages people cause you.


From this article, you would have understood the importance of purchasing uninsured motorists’ coverage. In some states, it is mandatory. However, in Florida, that is not the case, due to which many times individuals end up bearing the medical and other financial expenses all by themselves. If you have any further queries about this insurance coverage or any other personal injury legal query, approach the expert lawyers at Aronberg Law Firm.

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