It is highly recommended that all drivers in Florida take out underinsured (UM coverage) or uninsured motorist coverage (UIM coverage). Uninsured motorist coverage in Florida is bifurcated into two types: bodily injury and property damage.If you were injured in an auto accident and have uninsured or underinsured motorist coverage, we recommend contacting our firm to discuss your options. Personal Injury Protection (PIP): Every car insurance policy in Florida is required to provide PIP coverage, regardless of who was at fault for the accident. Uninsured motorist coverage helps pay for damages if you're involved in an accident with a driver who does not have bodily injury liability coverage. Vehicle damage: Florida is a no-fault state in terms of insurance, and your insurer may cover property damage if you have collision insurance. You should file an uninsured motorist claim as soon as you learn that the other driver involved in the accident is uninsured. That's bodily injury liability coverage. If you have UM coverage, it can help cover your medical expenses and property damage when the atfault driver lacks insurance. A little known fact about Florida law is that cars are not required to carry bodily injury liability insurance.
