Uninsured Motorist Coverage

Everyone should have uninsured motorist coverage because it protects you against an accident where the at-fault party can’t afford to cover your medical expenses.

Florida law requires that everyone who drives in this state have at least $10,000 in bodily injury coverage. This means that if you or a loved one is hit by another driver, they should have $10,000 to cover any injury you or they might have. Many times, $10,000 is not enough money to cover the medical expenses you owe as a result of the accident. For example, a life flight helicopter will cost around $25,000 for a trip from the accident scene to the hospital. If the driver who hit you only has $10,000 in coverage, you still owe $15,000.

While catastrophic accidents involving life flight helicopters is not common, accidents involving motorists with no insurance or minimal insurance is very common. So how do you avoid this problem? You get uninsured motorist coverage. Uninsured motorist coverage is designed for this exact situation. If you have $100,000 in uninsured motorist coverage, your insurance company will cover that $15,000 you still owe the helicopter company and you’ll have $85,000 for any addition coverage you may need.