Why do so many Florida drivers regret skipping UM/UIM coverage? The answer is simple: Florida’s roads are filled with uninsured and underinsured motorists, and the consequences of a crash can be devastating. Fla. Stat. § 627.727 gives you the option to add UM/UIM coverage to your policy, but too many people decline it without understanding the risk.
Florida law does not require UM/UIM coverage, but it’s your best defense when the at-fault driver’s insurance isn’t enough—or doesn’t exist. Nearly 25% of Florida drivers are uninsured, and even more carry only the minimum required coverage. If you’re injured in a crash, UM/UIM coverage can pay for medical expenses, lost wages, and pain and suffering that the other driver’s policy won’t cover. The statute sets strict deadlines for making a claim, and missing them can mean losing your right to compensation.
One of the most common mistakes is relying on the other driver’s insurance or assuming your own policy will automatically protect you. Insurance companies may push you to waive UM/UIM coverage to save a few dollars, but the long-term cost can be far greater. Review your policy now, and consult a Florida personal injury attorney if you’re unsure about your coverage. Our firm recommends acting before an accident happens—protect your rights, your finances, and your peace of mind.
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Disclaimer: This content is for informational purposes only and does not constitute legal advice, and laws and legal interpretations may change after the date of publication.
Written by:
Gil Sánchez, Esq.
CEO | Civil Trial Attorney
Black Rock Trial Lawyers
Abogados Law
