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

You need UM coverage in Florida because the state does not require drivers to carry Bodily Injury (BI) liability coverage, even if they cause the crash. We often hear clients say, “I thought that was mandatory.” Unfortunately, it’s not.

Why This Gap in Florida Law Matters

This gap in Florida law can leave injured victims in a difficult position. If the at-fault driver does not carry BI coverage, no insurance may be available to pay for medical bills, lost wages, pain and suffering, or other damages resulting from the accident. Even when injuries are serious, victims may recover little or nothing without proper coverage in place.

How UM Coverage Protects You

This is why it is critical to protect yourself by carrying Uninsured/Underinsured Motorist (UM/UIM) coverage on your own auto insurance policy. UM coverage steps in when the at-fault driver has no BI insurance or lacks enough coverage to fully compensate you for your injuries. In many cases, UM coverage makes the difference between being financially protected and covering expenses on your own.

Don’t wait until after an accident to discover what your policy covers. Review your insurance now to ensure you’re fully protected before you ever need it. If you’re unsure how your policy works or whether you have adequate UM coverage, our office to discuss your options.