Do you need Uninsured Motorist Insurance in Florida? The key word is Need. Florida does not require Uninsured Motorist Insurance.
Insurance Requirements
In Florida, the only minimum auto insurance requirements for motorists are property damage and personal injury protection.Property damage liability pays for the damages caused on other people’s property caused by a car accident. Some medical expenses are paid by your Personal Injury Protection policy when you are injured in an auto accident. These requirements are lower than they should be and lower than other states. Since these are the only minimum requirements, it is only natural for motorists in Florida to ignore uninsured motor insurance.
As a motorist, you place yourself in harm’s way every day. You might be the world’s most cautious driver. However, the problem is the other road users. Despite your good driving, you never know when a drunk driver will cross over to your lane driving recklessly. You also never know when rain might blind your path and cause you to crash into another vehicle. For these reasons, it is better to buy an uninsured motorist insurance policy.
The extra cost is worth it
Like many other motorists in Florida, you might have the mentality of “why bother with the extra expense when it is not necessary?” As a result, the State ends up with many drivers with no underinsured or uninsured policy. This is fast becoming an issue in Florida. Accidents are not planned. Since, their timing is always bad, they leave the injured party counting losses. When injured and the responsible party has zero or inadequate insurance to cover the damages, you are out of luck. When you choose to have a bodily injury liability coverage, you will have the opportunity to add uninsured motorist insurance cover at the same amount as your liability coverage. Do you need Uninsured Motorist Insurance in Florida. Yes. After all, it is better to be safe than sorry.
