Uninsured/ Underinsured motorist insurance…here’s a scary truth for you: 1 out of every 8 drivers has no insurance.

Have you ever been in an accident? Remember that gut wrenching feeling? Now, imagine the same gut-wrenching feeling multiplied when you discover the person who just totaled your car didn’t have insurance. So, what happens if you are hit by a driver without insurance?

If your insurance does not cover this instance, all of your medical fees and damages will come straight out of your pocket. If you are injured and need to visit a chiropractor to prevent future injury, you will have to pay for it.

The good news is that there is insurance for that. It’s called
Uninsured/Underinsured Motorist Insurance (UMI)

What is Uninsured Motorist Coverage?

Uninsured/Underinsured Motorist Insurance (UMI) is used specifically for drivers that do not have insurance, or enough insurance. You’re covered for bodily injury costs. If the other driver has lower liability limits than you have for UM/UIM, you will be covered for the difference in coverages.

With a recent increase in auto-insurance premiums, more people are getting less coverage to be able to afford the monthly cost of insurance. Some people are refusing to even buy insurance. With more of these drivers on the roads, it’s becoming essential that you cover your own back to reduce the stress from a car accident.

Save yourself the headache and do not overlook this coverage while quoting your automobile insurance policy. The importance of UMI cannot be expressed enough.

Do you have enough UM/UIM coverage?

Most experts recommend that your uninsured/underinsured coverage match your liability coverage. For example, if you have $100,000 in liability protection for injuries you might cause to other people, you should also have $100,000 in UM/UIM protection to cover your own family and property.

Your insurance agent can give you a breakdown of what it would cost to add or increase your policy limits. You may be surprised at how affordable it is to bump up your UM/UIM coverage.

How our experienced Treasure Coast accident attorneys can help

If you have been involved in a car accident involving an uninsured or underinsured motorist, contact Hoskins, Turco, Lloyd & Lloyd online or call us today at 866-460-1990. Led by Board Certified Civil Trial lawyer Steve Hoskins, our firm has decades of experience representing clients whose lives have been changed due to car accidents and personal injuries throughout the Treasure Coast.

References:

1Insurance Research Council (IRC), 2015, found that 13% of all U.S. motorists were uninsured in 2015, up from 12.3% in 2010 after a seven-year decline

Verdicts and Settlements


$1.2 Million

Auto Accident Settlement

$1.6 Million

Wrongful Death Settlement

$11.1 Million

Settlement for motorcycle accident

Locations


Ft. Pierce Office
302 South Second Street
Ft. Pierce, FL 34950
Phone: (772) 464-4600
Fax: (772) 465-4747
Port St. Lucie Office
1887 S.E. Port St. Lucie Blvd.
Port St. Lucie, FL 34952
Phone: (772) 344-7770
Fax: (772) 344-3838
Okeechobee Office
402 NW 3rd Street
Okeechobee, FL 34972
Phone: (863) 357-5800
Fax: (863) 763-2237
Vero Beach Office
2101 15th Avenue
Vero Beach, FL 32960
Phone: (772) 794-7774
Fax: (772) 794-7773