How Does Uninsured Motorist Coverage Come Into Play in Resolving a Claim for Injuries Following a Car Accident?

Your uninsured motorist coverage will apply to cover you for bodily injury, pain and suffering, lost wages and medical expenses if someone causes a car accident that does not have enough bodily injury coverage to fully pay the value of your claim. For example, if an at-fault driver has $10,000.00 in bodily injury coverage and you have a personal injury claim with a value of $50,000.00, your uninsured motorist coverage will apply to pay you the $40,000.00 not payable by the at-fault driver’s coverage.

This, of course, assumes that you have uninsured motorist coverage and that your coverage limit is $40,000.00 or higher. Florida law does not require that drivers have any uninsured motorist coverage. Unfortunately, far too often we have clients with injury claims worth far more than the at-fault driver’s coverage yet the client has no uninsured motorist coverage.

Clients are often surprised to learn they have no uninsured motorist coverage as they were told by an insurance agent or broker that he or she purchased “full coverage.” “Full coverage” usually means just the opposite as it is commonly used to describe the absolute minimum coverage required by Florida law.

Without uninsured motorist coverage, the injured person is left with the prospect of pursing the at-fault driver personally to collect on his or her assets. In Florida, it is very difficult to recover a Judgment against an individual as Florida has numerous exemptions from execution including the homestead exemption and the head of household exemption.

Because some of the worst drivers have little or no insurance, we strongly recommend everyone purchase uninsured motorist coverage in as large an amount as can be afforded. You may be surprised how inexpensive uninsured motorist coverage is.