Uninsured motorist coverage is not required in Florida.
Although not mandatory, uninsured motorist coverage is recommended. Florida has a high rate of car accidents, some of which involve hit-and-run drivers and those without insurance. Due to these risks, it’s wise to carry uninsured motorist coverage. It protects you by paying beyond the limits of personal injury protection (PIP) and property damage liability (PDL).
What Is Uninsured Motorist Coverage in Florida?
Uninsured motorist coverage is part of a car insurance policy that covers you in an accident with an uninsured driver. According to Florida Statute 627.727, it reimburses medical bills and property damage over your regular policy.
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Importance of Uninsured Motorist Coverage in Florida
Florida doesn’t require drivers to carry uninsured motorist coverage. However, it adds a layer of protection if an accident involves an uninsured or underinsured driver or you’re the victim of a hit-and-run.
Florida’s Auto Insurance Requirements
Florida has certain requirements for auto insurance. It’s important to understand personal injury protection, liability insurance and property damage liability.
Personal Injury Protection (PIP) Explained
According to Florida Statute 627.736, drivers must carry $10,000 in PIP with their insurance policies. It covers medical necessities and lost wages caused by car accident injuries.
Liability Insurance
Some liability insurance is required for Florida drivers. For example, taxis must carry $250,000 in bodily injury liability (BIL) coverage and $50,000 in PDL.
Property Damage Liability (PDL) Requirements
According to Florida Statute 324.022, drivers must carry $10,000 in PDL coverage. It pays for damages to vehicles and other property after an accident.
Pros and Cons of Uninsured Motorist Coverage
Uninsured motorist (UM) coverage has pros and cons. You must understand both and its associated costs.
Advantages of Having UM Coverage
UM coverage protects you in accidents with uninsured drivers and after a hit-and-run. It also provides extra compensation if you suffer serious injuries and your PIP coverage isn’t enough.
Disadvantages and Costs
One of the disadvantages of UM coverage is that filing claims through it is sometimes complex. This is especially true with hit-and-run accidents. Coverage may also overlap with PIP and health insurance and increase your premiums.
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Situations Where UM Coverage is Beneficial
Some situations make UM coverage beneficial. They include hit-and-runs and accidents with uninsured drivers.
Hit-and-Run Accidents
Many hit-and-run accidents result in the offending driver never being found. This makes UM insurance essential for covering your damages.
Accidents with Uninsured Drivers
PIP and PDL aren’t always enough to pay for damages with an uninsured driver. UM insurance can protect you by covering the rest of your expenses.
Frequently Asked Questions
How Much Does Uninsured Motorist Coverage Cost in Florida?
Uninsured motorist coverage costs around $136 annually in Florida.
What Happens if You Don’t Have Uninsured Motorist Coverage in Florida?
Not having uninsured motorist coverage means PIP and PDL may not pay enough.
Do I Need Uninsured Motorist Coverage in Florida if I Have Health Insurance?
Uninsured motorist coverage isn’t required in Florida. However, it’s better to have it even with health insurance as added protection.
Can I Reject Uninsured Motorist Coverage in Florida?
You can reject uninsured motorist coverage in Florida.
What Happens When an Uninsured Driver Hits You in Florida?
If an uninsured driver hits you in Florida, you must file a claim with your insurance company. You can also file a lawsuit against the individual.
Need free legal help in Florida?
We specialize in personal injury claims.
