What is the Most Important Automobile Insurance Coverage?

09 Aug 2007

Simply put, Uninsured/ Underinsured Motorist (UM) Coverage is the most important automobile insurance coverage. Unfortunately, many people realize the importance of UM coverage too late.

Uninsured/ underinsured Motorist coverage protects you in the same way your bodily injury liability insurance protects those you may injure. In the same event you are involved in a car accident in which the at-fault driver did not carry and bodily injury liability coverage (or has inadequate liability insurance), you may make a claim under your UM coverage. Without UM coverage, you may not be able to be compensated for your injuries.

Florida law does not require all drivers to carry bodily injury liability insurance. Therefore, it is likely that the person who causes your accident does not have adequate liability insurance. It is crucial that you protect yourself and your family by purchasing UM coverage.