What is Uninsured Motorist Coverage in Florida?

Florida’s minimum required auto coverage is personal injury protection (“PIP”) and property damage (“PD”). Although PIP may cover some of your medical bills after an accident, neither of those will cover a car accident victim’s damages caused by a negligent driver. Rather, bodily injury (“BI”) coverage would—if the negligent driver elected to carry it under his or her policy.

Unfortunately, many drivers in Florida carry only the minimum PIP/PD requirements and leave their victims to fend for themselves after sustaining serious and permanent injuries. This is where uninsured/underinsured motorist coverage (“UM”) comes in. UM covers your damages if the driver who caused your injuries either doesn’t carry any BI, or their BI limits do not cover all of your damages. Many drivers in Florida are unaware of how beneficial UM coverage is, especially when their insurance company just hands them a UM rejection form to sign without explaining what any of it means.

Sometimes attorneys will drop a client immediately upon discovering that the negligent driver did not elect BI, without doing a full investigation to exhaust all opportunities to obtain the best compensation possible for their client. When attorneys and insurance companies are behind the scenes and using illusive language that is Florida law and insurance policies, its easy to feel powerless and lose hope in receiving the compensation you deserve. The experienced attorneys at Rosen Injury handle each case as if it were a multimillion-dollar case and seek out every opportunity for a fair settlement or verdict for their client, including UM policies. Contact Rosen Injury Law for a consultation to see what they can do to help you.