One of the big issues we have in Florida is this issue of uninsured or underinsured drivers. In fact statistics show us that almost 40% of the cars on the road don’t have bodily injury liability insurance. And then we have millions of people that have some bodily injury insurance but not enough to pay the full value of most claims when they cause an accident.
This is particularly a problem when you have a driver who causes a multiple-vehicle accident. Say one driver rear ends another driver who pushes that driver into the car ahead and maybe even into the car ahead of them. If you are one of the vehicles hit, the chances of the driver who caused that accident having enough insurance to pay for two or three different injury claims, really is not that strong.
My message to drivers in Florida is that you have to protect yourself with uninsured and underinsured motorist coverage. The same coverage that covers these types of situations. So, UM, as we call it, will cover you for a driver who has no insurance or for a driver who caused an accident but there isn’t enough insurance on their policy to pay for all the injuries and damages that they caused.
If you’re unsure about it, check your insurance declaration sheet or call your agent and make sure today what your uninsured motorist coverage is. I always encourage you to get more. If you don’t have it, you certainly need to talk to your insurance company about that. It’s the most important thing you can have in any collision, particularly in a vehicle collision.