This video is going to address “Why do I need to have UM insurance for car accidents? UM insurance is short for underinsured or uninsured motorist coverage and it’s a policy that you have on your own insurance policy. So in essence, the UM coverage that you have protects you in the event that you’re injured as a result of the negligence of someone else. Why is this so important in Florida and Florida in particular? UM coverage is incredibly important. The reason being is by law, you can drive in Florida without having any bodily injury liability coverage. What does that mean? That means that there are people out there driving around on the roads of the state of Florida causing car accidents, causing trucking accidents that don’t have any liability, bodily injury coverage. That means if they are at fault and they hurt you, there’s no insurance that would cover your injuries as a result of their negligence.
That’s when you m coverage kicks in and that’s why it’s so important. So many people don’t realize the importance of u m and insurance in the state of Florida because they’re simply not aware of why it’s important. I had a conversation with a client the other day and they asked, why do I need u m insurance for car accidents? I’ve got health insurance that should cover me, right? Not so fast. Your health insurance will cover some of your medical bills, certainly, but when you’re in a situation where your medical bills are going through the roof because you’ve been in a car accident or a trucking accident, as a result of someone else’s negligence that you m insurance is there to protect you and pay for your medical bills, pay for your lost wages, pay for your future medical bills, your pain and suffering. Those intangible damages that we so often talk about and hear about on the news, you m insurance is incredibly important. If you have any questions, why you am insurance is so important in the state of Florida for car accidents, please feel free to give us a call. We’d be happy to explain why it is important and why you should carry it.
*The above has been transcribed by a third party service and has not been checked for accuracy.
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