Q: what does uninsured motorist coverage cover exactly?

A: Typically, uninsured motorist coverage in Florida will pay economic and non-economic damages resulting from bodily injuries sustained in a motor vehicle collision when the defendant/tortfeasor's insurance is insufficient or nonexistent. Examples would include medical bills, lost wages, paying & suffering, among others. Retaining an attorney is always a good idea, so please find a qualified professional in your area for a more detailed explanation.

A: Uninsured/Underinsured Motorist coverage pays you for your medical bills, lost wages and pain and suffering when the person who hit you didn’t have any - or enough - insurance. It “stands in the shoes” of the person who hit you and attempts to make you whole from your injuries. It is estimated that over 25% of Florida drivers don’t have insurance so this truly is a must have to protect yourself and your family. Unfortunately, many insurance agents don’t properly advise their customers about this and even suggest not having it to save a few dollars in premium to earn your business. Everyone should have uninsured/underinsured motorist coverage on their auto policy. Please note, this educational post does not create an attorney/client relationship. Attorney Chelsie Lamie and her firm, Florida Injury Attorneys, must be directly contacted and a written contract for legal representation must be executed by Attorney Lamie and the client for an attorney/client relationship to be formed.

A: If an at fault driver causes your damages but is uninsured or underinsured, then your UM policy will help cover your losses.