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Why every Florida driver needs uninsured/underinsured coverage

Unfortunately, there are many drivers on the road who choose to ignore insurance laws and view liability coverage as optional. This is evidenced by the fact that, according to the Florida Insurance Council, as many as 23 percent of drivers in the state may be uninsured. Staggering numbers like these make it clear that every driver needs coverage against uninsured and underinsured drivers. This is how you are protected.

You can end up footing the bill

Perhaps the greatest reason to invest in uninsured and underinsured coverage is to avoid liability for the expenses that will result from an accident. If your collision involves a driver who does not have adequate coverage-or any coverage at all-you could wind up with some expensive bills to handle. Just because you are not at fault for an accident, it does not mean you will not have to pay for it.

Coverage is relatively affordable

Though the cost of uninsured and underinsured coverage will vary based on a number of factors, it is affordable in comparison to the costs that can result from an accident. For example, a small addition to your monthly premium is a fraction of the cost you might encounter in a single medical bill. It is a worthwhile investment that may spare your finances in the event of an accident. 

Florida is one of the highest-risk states

Florida is unique in its high concentration of uninsured drivers. This may be attributed to many factors, such as high unemployment or low average income, but the result is clear: If you are driving in the state of Florida, you are at an increased risk of being in an accident with an uninsured or underinsured driver.  If you have been in a motor vehicle accident recently, you should understand your legal rights. Contact an attorney to learn more about your options.

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Johnson & Montas P.A.
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Rockledge, FL 32955

Phone: 321-307-2048
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