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THE IMPORTANCE OF Uninsured or Underinsured Motorist "UM" COVERAGE:
Uninsured or Underinsured Motorist is usually referred to as "UM" coverage. It is one of the most important coverages you can purchase, because it pays you for your injury if the at-fault party does not have any or enough liability coverage. It is essentially buying liability insurance for everyone else on the road, in case they injure you or someone in your family under the same policy.
Say you're involved in an accident that wasn't your fault. In most circumstances, you'd file a claim with the at-fault driver's car insurance company, get your car repaired and recoup compensation for any lost wages or medical expenses. No out- of-pocket expenses to you.
But what if the driver who sideswiped you doesn't have car insurance or doesn't have enough of it? Minimum liability insurance requirements don't always offer enough coverage after a car accident. Uninsured and underinsured motorist coverage can help protect your finances if you're in an accident caused by an uninsured or underinsured driver - which is plentiful in the South Florida area. Uninsured and underinsured drivers are a big problem in South Florida, partially due to very lenient regulations regarding liability insurance.
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If you or a loved one has been arrested in Boca Raton, contact our office at 561-395-0000 for immediate assistance.
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