Why UM (Uninsured Motorist) Coverage Is So Important?

. For instance, if you were rear ended by another vehicle while stopped at a red light and sustained bodily injuries, you could make a claim against the at fault persons automobile bodily injury ( BI ) coverage for your damages which may include out of pocket medical expenses, wage loss and pain and suffering damages. This coverage may include out of pocket medical expenses, wage loss and pain and suffering damages.
But what would happen if the at fault driver did not carry any bodily injury coverage on their vehicle?
Because liability coverage is not generally mandatory in the state of Florida, it is estimated that as many as 25-30% of motor vehicles operated on the streets are uninsured for bodily injury insurance coverage. The at- fault drivers automobile insurance company would deny the claim since their insured did not purchase any bodily injury coverage. You could try to recover your losses against the at- fault driver personally, but this would be difficult as many drivers do not have the financial resources to pay your claim out of their own pocket. However, in this instance if you had purchased uninsured motorist coverage you then could make a claim for your out of pocket medical expenses, wage loss and pain and suffering damages against your own automobile insurance company up to your UM coverage limits.
In the above scenario if the at- fault driver only carried $10,000 in bodily injury coverage but you had sustained damages greatly exceeding that amount then you could also make a claim under your underinsured motorist coverage for the additional damages beyond the bodily injury coverage limits.
As you can see it is very important that you purchase UM coverage on your automobile insurance policy to protect you and your family if you are injured by someone driving a vehicle not covered for bodily injury insurance or only carries a minimal amount of bodily injury coverage.
If you or someone you love has been injured in an Orlando car accident, involved in a semi truck accident, injured do to someone elses negligence, injured while on vacation in Florida, or a famiy member was a victim or wrongful death, please contact an Orlando personal injury lawyer at the The Umansky Law Firm today for a free consultation. We have won impressive verdicts and settlements for clients injured in all types of accidents. We'd like to help you, too. Visit our Web site, http://www.orlandofloridaaccidentlawyer.com, for more information.
ABOUT THE AUTHOR: Umansky Law
Article provided by the Umansky Law Firm. Our Orlando personal injury lawyers know how to obtain results for clients who have been injured by the negligence of another person or company.. Contact us for a free injury consultation or visit http://www.orlandofloridaaccidentlawyer.com for more information.