Brandon Stein Law: Why is carrying uninsured motorist coverage in Florida so important?

Brandon Stein

By: Brandon Stein

If you or someone you know was injured in a car accident, please contact our Florida personal injury lawyers today.

As a North Miami personal injury lawyer that helps those injured in car accidents, I cannot stress enough how important it is to carry uninsured motorist coverage.  In Florida, where public transportation is at a minimum and rarely used, just about everyone traveling on the roadways is driving in their own cars.  As a result, auto insurance is a necessity and all Florida drivers are required by law to carry it.  However, uninsured motorist coverage is an option for drivers — not a requirement.

When Floridians are considering which auto insurance package to purchase, the goal for the majority of consumers is to get the best deal possible and save the most money. Often times, this decision does not include uninsured motorist coverage.  In fact, before drivers agree upon a policy that does not include this uninsured motorist coverage, a formal waiver or rejection form must be signed by the driver acknowledging that he or she elects not to carry uninsured motorist coverage.  Rejecting this type of insurance coverage saves you money every month, but getting into a car accident with a driver that does not have auto insurance may be much more costly than those monthly uninsured motorist insurance premiums every month.

Being an Aventura personal injury lawyer that sues for car accidents, many clients that I help come into my office with catastrophic injuries.  While they often come equipped with the statutorily required automobile insurance, often times my clients have elected not to carry uninsured motorist coverage.  Unfortunately, when this is the case, my client that was injured from a car accident falls mercy to the other driver’s auto insurance policy. Ultimately, recovery for the car accident depends upon whether the other driver has adequate bodily injury coverage to compensate my client for his or her injuries.

Florida drivers that foolishly elect not to carry uninsured motorist coverage are essentially gambling with their health and well-being.  Ultimately, if you are driving in Florida without uninsured motorist coverage and are injured in a car accident, then your only chance of recovery is through the other driver’s auto insurance.

As a South Florida car accident lawyer that helps those injured, other than going after the other driver personally, the absence of a bodily injury policy essentially extinguishes any chance of substantial recovery.  While none of us ever plan on getting into a car accident, and unless you are planning on getting into a crash with Lebron James, then it serves any Florida driver best to carry uninsured motorist coverage.

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