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What is Uninsured Motorist Coverage Insurance and Why Do I Need It?

Insurance is a topic that I feel extremely passionate about based on my 37 years of doing all I can to fight for justice for the injured as an accident attorney! Please read about my full insurance tips and recommendations in this Library Article.

Beware, even if you are completely innocent in an accident, not at fault, you can still get stuck with thousands or even hundreds of thousands worth of medical bills, loss of income, and a permanent injury that can devastate your life!

Uninsured/Underinsured Motorist Coverage (UM) will protect you if the at-fault party in an accident has little or no liability insurance and your case is worth more than the amount of insurance the other person has. For example: If you have $100,000 of medical bills and lost wages, and the person that caused the accident has no insurance other than the minimum required insurance ($10,000 to pay for the other person’s car damage and $10,000 PIP to cover their own medical bills and lost wages), or even none at all. Over 50% of drivers on the road in Florida have little, only the legally required minimal insurance or non at all! Then you may have to come up with $90,000 out of your own pocket to cover your medical bills and lost wages, unless you have PIP plus $90,000 of UM insurance coverage.

Jeffrey Meldon Tip: If you have two or more vehicles on the same insurance policy you are eligible to get additional UM or “stacked coverage” at a very low cost if you have Bodily Injury on them.

Jeffrey Meldon Tip: I recommend that everyone on the road should purchase Uninsured Motorist Coverage in the amount of $100,000/$300,000 to be protected.

Here are some additional Tips:

  • UM insurance may sound expensive, but you may be surprised to find out it costs a lot less than you think, especially if you have a good driving record.
  • Avoid the so called “low cost”, “we insure everyone” insurance companies and get competitive pricing from the major companies.
  • UM insurance is the best deal going considering that 50% of drivers have little or no insurance. I have personally seen many serious injury cases where there is no available insurance and the person is just out of luck.
  • You can request my book online, The Seven Biggest Mistakes That can Wreck Your Florida Accident Case, or call my office @ 800-373-8000 and ask that the book is sent to you, it’s all free. This book devotes an entire chapter to my insurance recommendations.

Beware: Even if you are completely innocent in an accident, you can get stuck with thousands, or even hundreds of thousands, of dollars of medical bills, loss of income, and a permanent injury. All of which can be devastating. Make sure you are adequately protected!

Because of this, Gainesville and Ocala car accident attorney Jeffrey Meldon wrote the book Buying Florida Auto Insurance – A 3 Step Approach to Purchasing Adequate Auto Insurance at Competitive Pricing.

You can request your free, no obligation guide book by contacting our office at 800-373-8000 or filling out the request form.

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