Uninsured Motorist Coverage
Imagine you are stopped at a red light and get hit from behind. In order to be “fully covered” under Florida law the person who hit you only needs insurance to repair your car and to cover their own medical bills. So where does that leave you? What if the person who hit you had bodily injury coverage to help compensate you for your injuries, but it simply is not enough? For example, they have $10,000 in bodily injury coverage but your medical bills are already $30,000? What if the person who hit you just did not have any insurance at all? What do you do?
Insurance companies offer what is called uninsured and underinsured motorist coverage, commonly known as UM. It is a product that your insurance company should have offered you when you signed up with them. UM coverage puts your insurance company into the shoes of person that hit you. So, if the person who re-ended you did not have insurance coverage but should be liable for your damages, you can look to your insurance company to resolve your claim.
Even if you did not choose to buy UM coverage there is still a possibility that you have the coverage. If you purchased bodily injury coverage then your insurance company is required to provide written proof that you rejected UM coverage. If they do not have that written proof then you should be entitled to UM coverage up to the bodily injury limits that you carry.
Cromey Law will ensure that you get UM coverage if you are entitled to it. Consultation is free so give our office a call today to set up an appointment.