Reviewed by Michael P. Maddux, Esq. | Board Certified Criminal Trial Lawyer | Florida Super Lawyer for 16 Consecutive Years

While Bodily Injury (BI) coverage is not always required for every driver in Florida, it is an important form of protection that should not be overlooked. If you are found at fault in an accident where another person is injured, BI coverage helps pay for their medical expenses, lost wages, and potential legal costs associated with a claim.

Without this coverage, you could be personally responsible for these expenses, which can quickly become overwhelming. Medical bills, ongoing treatment, and legal fees can add up fast, putting your financial stability at risk.

Having Bodily Injury coverage provides an added layer of financial protection, helping safeguard your assets and offering peace of mind in the event of a serious accident.

Reviewed by Michael P. Maddux, Esq. | Board Certified Criminal Trial Lawyer | Florida Super Lawyer for 16 Consecutive Years

One of the most frustrating discoveries accident victims face in Florida is learning that the driver who caused the crash does not carry bodily injury insurance. Many people assume this type of coverage is mandatory, but Florida law does not require drivers to carry it.

As a result, even when another driver’s negligence clearly causes serious injuries, there may be little or no insurance available to cover medical bills, lost wages, and other damages. This can leave injured individuals struggling to recover financially after an accident.

This is why uninsured or underinsured motorist (UM) coverage is so important. UM coverage on your own policy can step in to help cover your losses when the at-fault driver does not have enough insurance to fully compensate you.

Understanding your coverage before an accident occurs can make a significant difference in protecting yourself and your family.

Reviewed by Michael P. Maddux, Esq. | Board Certified Criminal Trial Lawyer | Florida Super Lawyer for 16 Consecutive Years

One of the most important protections you can add to your auto insurance policy in Florida is uninsured/underinsured motorist (UM) coverage. Many drivers do not realize how critical this coverage is until after an accident occurs.

Florida does not require drivers to carry bodily injury liability insurance. This means the driver who causes an accident may have little or no coverage available to compensate you for medical bills, lost wages, or pain and suffering.

Uninsured motorist coverage helps protect you in these situations by stepping in when the at-fault driver cannot fully pay for the damages they caused. It can be one of the most valuable protections in your policy.

Reviewing your coverage and making sure you have adequate UM protection can make a significant difference if you are ever injured in a crash.