Uninsured Motorist Coverage: Florida

No, uninsured motorist insurance in Florida is not required, but it needs to be: 19% of Florida motorists are without insurance. So how does uninsured motorist insurance work? In most cases, uninsured motorist protection may cover trauma or damage to property brought on by an uninsured driver or an unknown motorist. In some instances it also includes coverage for underinsured motorists and at fault drivers with inadequate coverage to pay your claim. This type of protection is often termed Florida hit-and-run insurance coverage.

Without this type of insurance, you might be forced to cover hospital costs related to a vehicle accident for which you were not liable.

If you don’t have this type of coverage, we can help you get insured against uninsured drivers for less than you think.

We can’t stress this enough: it is crucial to compare rates on Florida uninsured motorist coverage between insurers. For that reason we allow you to compare rates from the leading providers of Florida UM/UIM coverage – online!

Florida Uninsured Motorist Law

As stated above, uninsured motorist coverage is not required in Florida. If a motorist does not carry 10/20/10 worth of protection (in thousands) for bodily injury and damage to property, then he or she is not fully insured. In such cases, UM/UIM insurance should cover the difference between the amount the driver to blame can shell out, and what is due.

Hit By Uninsured Driver in Florida?

If you’ve been hit by an uninsured driver in Florida, you may have the right to legal recourse. It certainly seems unfair to be refused reparations just because a driver who caused the accident failed to purchase insurance coverage, and the judge may agree. Of course, it’s crucial to have a lawyer analyze your uninsured driver or hit and run claim.