Do I Need Uninsured Motorist Coverage in Florida? - A Comprehensive Guide

Do you live in Florida and own a car? If so, you should know that it is essential to have coverage for uninsured drivers. Even if you have comprehensive and collision insurance, it won't cover all of your expenses after a collision. That's why you need uninsured motorist coverage (UM) or underinsured motorist coverage (UIM). In this article, we'll explain why you need this type of coverage, what it covers, and how to get it.

Collision insurance is designed to pay for the repair of your vehicle if you're hit by an uninsured driver. However, it won't cover any of your medical expenses. Comprehensive insurance only pays for repairs if your car is damaged by something other than a collision, such as acts of vandalism or a natural disaster. It won't cover any medical expenses either.

That's why you need coverage for uninsured motorists. Personal Injury Protection (PIP) or MedPay can cover your medical expenses after a collision with an uninsured driver. You don't need to have insured motorist coverage in Florida if you have health insurance. However, while Florida law doesn't require you to have coverage for uninsured drivers, you should consider purchasing it to add an extra layer of protection in the event of a car accident. Each state's statutes dictate rules for the population of that state and may include rules about coverage for uninsured drivers. This type of car insurance coverage serves to compensate drivers for any damage they have suffered in a car accident up to the limit of their coverage.

What Does Uninsured Motorist Coverage Cover?

Uninsured motorist coverage provides you with coverage in the event that you are injured in a car accident caused by another person and that person is uninsured or underinsured.

It can cover medical expenses, lost wages, pain and suffering, property damage, and wrongful death.

How Much Does Uninsured Motorist Coverage Cost?

Coverage for uninsured drivers in Florida isn't very expensive and can add more protection to your policy so you don't have to worry about having a car accident. The additional costs you pay each month are zero compared to the amount of money you'll lose if you're injured in a collision with an underinsured or uninsured driver.

What Should I Do If I'm Injured in an Accident With an Uninsured Driver?

When you have a car accident with an uninsured driver, it's essential to have an experienced Florida car accident lawyer from the start. In the context of UM and UIM coverage, the policyholder can accumulate coverage depending on the number of vehicles covered by the policy. If you were injured in a car accident that involved an underinsured or uninsured motorist, and you have UIM or UM coverage, you can file a claim with your own insurance company to compensate you for the damage you have suffered.


It is recommended that you contact an experienced lawyer who can help you file a claim under their unified messaging coverage to ensure that you receive justice. The best thing about having coverage for uninsured drivers is that, even if you weren't in your own vehicle at the time of the accident with an uninsured driver, your insurance company will cover the costs anyway. Florida's statute 627,727 includes laws on motor vehicle insurance, including coverage for uninsured or underinsured motorists. Coverage for uninsured motorists also covers you if you are injured in a car accident involving a hit and run in Florida.

In conclusion, having uninsured motorist coverage is essential if you live in Florida and own a car. It provides extra protection against financial losses due to accidents with uninsured drivers. It is also relatively inexpensive compared to other types of car insurance.

Gertraude Jackel
Gertraude Jackel

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