Unfortunately, Florida insurance requirements have some of the lowest liability thresholds in the country. As any Tampa car accident attorney can tell you, many Florida drivers are out there on the roads with extremely low liability coverage or, in many cases, none at all. That's where UM coverage comes in.
Your Tampa auto insurance comes with a coverage called UM/UIM. You've probably seen it listed on your policy, but many drivers don't know exactly what it is. Uninsured/Underinsured Motorist Coverage protects you if you are in an auto accident with someone who has no insurance, or your damages are so severe they are more than the other person's coverage allows.
For instance, many drivers have the Florida state minimum of Bodily Liability, which is only $10,000 a person and caps out at $20,000 per accident no matter how many people are in the car. If you were hit by a person with those limits and your medical bills were $15,000, you would be responsible for that last $5,000. Or, if your car is totaled and their policy only covers $10,000 in property damage, you may not get the full compensation for your car.
UM coverage is designed to help alleviate this by kicking in after the other driver's coverage has been exhausted.
When purchasing your policy, make sure to ask your insurance agent about UM/UIM coverage. You can usually decide between split coverage or a combined single limit. Take the time to learn about how those limits will affect you and your passengers, should you ever need to use the coverage.
Unfortunately, especially in cases where coverage might run out, it's important to retain a Tampa car accident lawyer. Not only will you need someone to deal with the opposing insurance company, but your personal injury lawyer will also be your defense against your own insurance company, which may try to lowball or deny the claim.
Call Coleman Law Group today and set up your personal injury attorney free consultation with one of our experienced lawyers to find out the value of your claim.