Do I Need Uninsured Motorist Coverage in Florida?September 16, 2021
You do not have to have insured motorist coverage in Florida if you have health insurance. But although Florida law does not require you to carry uninsured motorist coverage, you should still consider buying it to add in an extra layer of protection for yourself in case of a car accident.
Florida has low minimum insurance requirements, which might seem like a good idea at first because it means you will be paying lower premiums. However, it can cause issues should you happen to get into an accident.
Health Insurance Compared to Uninsured Motorist Bodily Injury
If you are in a crash and you have uninsured motorist bodily injury (UMBI) coverage, it will pay for your medical bills if you are hit by an uninsured driver. UMBI can also cover numerous other expenses that health insurance will not cover:
- Loss of wages
- Funeral expenses
- Pain and suffering damages
It will also mean you will pay fewer out-of-pocket expenses. If you only have health insurance, you will still be stuck paying co-pays, co-insurance, and a deductible before you see the health insurance fully kick in.
With UMBI insurance, you will not have to pay so much money out of pocket and you can save yourself a good amount of money. Uninsured motorist coverage in Florida is not very expensive and can add more protection to your policy so that you don’t have to be worried about being in an auto accident.
Even if you have health insurance, you will find that UMBI can be a great long-term investment.
Those Without Health Insurance
If you do not have health insurance, you have to have uninsured motorist bodily injury coverage. Having health insurance in Florida is not obligatory. Some people will not have the coverage they need should they get into an accident.
Make sure to add on UMBI to your plan if you are lacking health insurance. It’s also a good idea to have more than just health insurance because you never know when you might be hit by an uninsured driver. It will help you pay bills in the following scenarios:
- A driver who doesn’t have liability car insurance
- A driver who doesn’t have enough liability insurance to cover all of your medical bills
- A driver whose insurance company denies coverage or might go out of business
Get in Touch with a Florida Lawyer
Did you know that Florida has the highest rate of uninsured drivers in the nation? This can cause many problems when it comes to claiming compensation after an accident. Whether you have UMBI or not, it can be a good idea to partner with a lawyer from Gross & Schuster, P.A. so that they can help you with your medical visits and ensure you are okay in court.