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Uninsured Motorist (UM) Insurance

Presented by Jason J. Guari, Esq.

Hello, I'm attorney Jason Guari, and I want to take 2 minutes to talk to you about the importance of having Uninsured Motorist Coverage, also known as UM insurance.

Unfortunately in our practice, many people realize the significance of UM coverage too late—that is, after they or their family members have been seriously injured by an uninsured driver.

UM coverage provides protection to you, resident relatives, and passengers in your vehicle-if involved in a crash with someone who has no liability coverage or not enough insurance to cover your damages. It also provides coverage if you are injured in a hit and run accident.

The State of Florida doesn't require drivers to carry Bodily Injury (BI) liability insurance. It' estimated that 1 in 4 drivers are uninsured or underinsured. This said, the likelihood of being in an auto accident with someone who doesn't have enough insurance coverage is high.

If you don’t have UM coverage, are in an accident with an uninsured driver and suffer personal injury caused by them, most likely, you WILL NOT receive adequate compensation to pay for your medical bills, lost wages, pain and suffering, and loss of capacity to enjoy life.

Don't rely on your insurance agent or insurance company to advise you that your policy has full coverage. Full coverage under Florida law only means carrying Property Damage (PD), Personal Injury Protection (PIP) or no-fault coverage.

Full coverage does not mean that you have UM insurance. We encourage you to ask for this coverage and check your policy now to ensure that you have it.

We have found that insurance companies rarely mention UM coverage so that they can provide competitive insurance rates.

If you have any questions regarding your auto insurance policy or need additional information on uninsured motorist coverage, please do not hesitate to contact me at (561) 366-9099 or by email at jguari@murrayguari.com.

We would be happy to answer your questions free of charge.