What is Uninsured Motorist Coverage

<source: https://www.ameriprise.com/auto-home-insurance/aah/learning-center/understanding-insurance/types-of-coverage/uninsured-underinsured-motorist-coverage/>

Florida law only requires PIP. For you and your family, in the strongest possible terms, consider buying uninsured motorist  coverage.

This coverage provides for a driver to receive damages for any injury he or she receives from an uninsured, negligent driver. The owner of the policy pays a premium to the insurance company to include this clause. Although not exclusive, this coverage is typically added to an automobile insurance policy. In the event of a  covered accident, the insurance company pays the difference between what the uninsured driver can pay and what the injured driver would be entitled to as if the uninsured motorist had proper insurance. )Also known as UIM)

There are several  types of uninsured motorists defined under the uninsured motorist clause:

1. Individuals who do not have liability coverage for the vehicle he or she is operating. In most states, it is a crime to be uninsured in this manner.
2. When an individual flees the scene of  a wreck without leaving sufficient information to identify him or herself, the individual is considered uninsured for the purposes of an uninsured motorist provision. 

We've worked on too many cases where a careless driver without insurance has ruined an innocent driver's life, and there was not enough money to even cover bills. Talk to an insurance agent about adding on UM and UIM.

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