“Understanding Uninsured Motorist Coverage and How It Protects You”

1. Florida has one of the highest rates of uninsured motorists, with approximately 26.7% of drivers lacking auto insurance despite it being required by law.
2. Uninsured motorist coverage provides reimbursement for damages if the policyholder is in an accident with a hit-and-run driver or a driver without insurance.
3. Underinsured motorist coverage provides additional reimbursement if the at-fault driver does not have enough insurance to cover the damages.
4. In Florida, uninsured or underinsured motorist coverage is voluntary, and policyholders are required to sign a form rejecting the coverage if they choose not to have it.
5. Policyholders can choose stacked coverage, which combines the uninsured or underinsured motorist coverage for multiple vehicles on their policy, increasing the amount of coverage available.
6. It is recommended to contact the insurance carrier to confirm whether uninsured or underinsured motorist coverage is included in the policy. If legal help is needed after an accident, the auto accident attorneys at Wilkes & Mee offer free consultations.

https://www.wilkesmee.com/insights/what-is-uninsured-motorist-coverage-and-do-you-have-it