Uninsured Motorist

A recent study by the Insurance Research Council (IRC) shows that one out of every four drivers who is involved in an accident in Florida has no car insurance. Do you have insurance coverage that protects you should you get into a serious car accident with one of them? If not, you should get that coverage to protect yourself and your family.

Only four states have higher percentages of uninsured drivers in reported auto accidents, according to the IRC. Those are Mississippi, Alabama, Oklahoma and New Mexico. Florida’s rate of uninsured drivers is nearly 50% greater than the national average.

1 out of every 4

The Florida auto accident lawyers at Faddis & Faddis are contacted regularly by injured drivers who have been struck by a person driving with no insurance. Frequently our personal injury attorneys learn the at-fault driver had just the minimum insurance coverage required by law in our state, which include only Personal Injury Protection (PIP) and Property Damage (PD) coverage. PIP covers 80% of your medical bills and/or 60% of lost wages that result from a car accident, up to the limits of the coverage after any deductible. Although higher PIP limits are available, insurance agents tell us that most people buy the minimum $10,000.

PIP coverage in the minimum amount of $10,000.00 is not nearly enough insurance to pay medical bills and lost wages if you have a serious injury such as a spinal cord or brain injury, a broken bone or fracture, a back injury, such as a herniated disc, a neck injury, a damaged shoulder, knee or ankle, or need a doctor to repair scarring or a disfigurement. The Florida auto accident lawyers at Faddis & Faddis strongly recommend you obtain additional coverage to protect you and your family.


To protect yourself from these drivers you would need to purchase what is called uninsured motorists or “UM” coverage.

Frankly, UM is the only real weapon a law-abiding driver has today against the tens of thousands of uninsured motorists roaming Florida’s highways. UM protects the driver who is not at fault in an accident, and it covers injuries and damages that the uninsured driver, if they had adequate insurance, would have had to pay. With the large numbers of uninsured motorists in Florida, UM coverage is essential to ensure your injuries are treated adequately, your wage loss is minimized, and your pain and suffering is compensated.


In more than half of country, including Florida, UM coverage is optional. You should ask your insurance agent about it.

For most drivers the cost is, literally, just pennies a day. In Florida, UM policies also cover what is known as “UIM”. That’s short for “underinsured motorist coverage.” UIM coverage protects policyholders who are not the cause of an accident by supplementing inadequate insurance of the other driver who is at fault in an accident. Simply put, UIM provides coverage on top of the at-fault driver’s coverage limits if that driver does not have enough coverage to fully compensate you for your injuries and losses. Frankly, most drivers in Florida will be underinsured in the event of a serious accident.

Every day hard-working Floridians get into serious auto or truck accidents. Many think they are “fully covered” but find out later they cannot recover for their injuries, lost wages, or pain and suffering. This can be financially devastating and cost families their homes and their savings unless the at-fault driver has significant personal assets. In the current economy, that’s increasingly rare.

- Accidents resulting in
injuries in 2010

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