What Is Uninsured Motorist Insurance (UM)?

Have you ever been in an automotive accident, fender bender or completely totaled your motor vehicle? You may have been insured, but was the other party involved insured too?

Having insurance coverage, as you are well aware, can seem pricey at the time, so you should know the implications of what not having liability coverage, or uninsured motorist insurance, can cost you.

Uninsured Motorist Insurance (UM)

You may be wondering how having uninsured motorist insurance affects you as an insured motorist.

The concept, or purpose, of having uninsured motorist insurance is having coverage that shields you from covering the total expense of automotive accident damages if it involves someone who doesn’t have insurance.

Pros

The whole premise of having motor vehicle insurance is to protect you from having to pay large expenses in the event of an accident.

If you have been in an accident with an uninsured party, then you are well aware that your damages may not be covered.

However, the other party involved in the accident may not have insurance and you will end up having to pay the larger sum of repair costs that were a result of the accident.

When you opt in for uninsured motorist insurance (UM), you are essentially covering any damage repair or bodily injury expenses the uninsured party wouldn’t be able or subject to pay.

Cons

There aren’t too many negatives that are associated with opting for uninsured motorist insurance (UM).

Essentially, you are paying extra to insure all motor vehicles on the road, which may rub you the wrong way at first; however, in the event of an accident with an uninsured motorist, you will be at ease knowing that your insurance company will cover your expenses as outlined in your UM policy.

Who Can You Call?

The state of Florida has deemed UM coverage so beneficial, that according to the state law, your insurance company must offer UM coverage with any policy that carries bodily injury coverage.

If you or someone you care about has been injured in a motor vehicle accident, auto, motorcycle or truck, contact us today.

We have represented numerous injured people in claims against insurance companies.