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Uninsured and Underinsured Motorist Coverage in an Automobile Insurance Policy

It may shock you to discover that a recent study found that 30 to 40 percent of all Central Florida drivers are either uninsured or underinsured having only the very minimum of bodily injury liability insurance coverage. Sadly, the study also found that Florida drivers who operate their vehicles without any insurance or with minimal liability coverage are the most likely to drive recklessly or carelessly. So, in the unfortunate event that you are involved in an accident in Central Florida, odds are that the accident was caused by a negligent driver with little or no bodily injury liability insurance to cover damage, injuries, or loss to compensate you or your family.

Fortunately, you can protect yourself and your family from other drivers’ negligence with the purchase of uninsured or underinsured motorist insurance coverage. It is unfortunate that responsible Florida drivers must incur this cost, but in the event of a serious auto accident caused by an uninsured or underinsured driver, this type of insurance coverage might protect you or your family from great financial hardship.

How Uninsured Motorist Insurance Works

Few of us think about purchasing uninsured motorist insurance until they or a friend or family member are seriously injured in an accident caused by a negligent uninsured motorist. However, the minor cost of uninsured motorist coverage can be a huge help if you’re injured in an accident where an uninsured driver is at fault. Uninsured motorist (UM) insurance is straight forward coverage in that if you purchase $100,000 worth of UM insurance coverage and suffer injuries in an accident caused by an uninsured driver, you could receive up to that dollar amount in settlement of your injury claim.

Also, if you suffer injuries in an accident where the at-fault driver is insured but only has the minimum amount of coverage, your UM policy would function as underinsured motorist coverage as well. If you suffer injuries which require medical care in excess of the underinsured motorist’s coverage, your UM policy would cover the costs of treatment up to the amount of coverage you purchased.

If you or someone you care for has been injured in an accident caused by the negligence of an uninsured or underinsured motorist or you have questions about uninsured motorist insurance coverage, call Florida auto accident attorney James O. Cunningham at 877-FL-INJURY (877-354-6587) for a free consultation.

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Florida Personal Injury Office Locations

Main Office

Orlando Personal Injury Office:
3117 Edgewater Dr.
Orlando, FL 32804
Phone: 407-425-2000
Toll Free: 877-FL-INJURY
Fax: 407-843-8274

Seminole County

Lake Mary Office:
1001 Heathrow Park Lane
Suite 4001
Lake Mary, FL 32746
Phone: 407-487-4408

Osceola County

Kissimmee Office:
17 S. Orlando Ave.
Kissimmee, FL 34741
Phone: 407-966-4408

Volusia County

Daytona Beach Office:
1301 Beville Rd., Suite 8
Daytona Beach, FL 32119
Phone: 386-243-4994

DeBary Office:
465 Summerhaven Drive, Suite C
DeBary, FL 32713
Phone: 386-320-3911

Deland Office:
Downtown Executive Center
120 South Woodland Blvd.
Deland, FL 32720
Phone: 386-206-1264

Citrus County

Inverness Office:
110 North Apopka Ave.
Inverness, FL 34453
Phone: 352-205-4341

Polk County

Lakeland Office:
1102 S. Florida Ave., Suite 104
Lakeland, FL 33803
Phone: 863-968-7551

Winter Haven Office:
325 Avenue A, N.W.
Winter Haven, FL 33881
Phone: 863-968-7173

Hillsborough County

Tampa Office:
100 S. Edison St. Suite D
Tampa, FL 33606
Phone: 813-355-9772

Marion-Sumter Counties

The Villages Office:
3420 U.S. Hwy. 27/441
Fruitland Park, FL 34731
Phone: 352-419-0825

Lake County

Mt. Dora Office:
602 East 5th Ave.
Mt. Dora, FL 32757
Phone: 352-436-4696

Clermont Office:
900 W. Highway 50
Clermont, FL 34711
Phone: 352-503-4674

Brevard County

Titusville Office:
506 S. Palm Ave.
Titusville, FL 32780
Phone: 321-222-7300

Cocoa Office:
96 Willard Street
Suite 206,
Cocoa, FL 32922
Phone: 321-757-1373