Uninsured motorist (UM) coverage is a type of auto insurance coverage that protects you if you are injured in a car accident by an uninsured or underinsured driver.
UM coverage is especially important in Florida, as it has one of the highest rates of uninsured drivers in the country. In 2022, an estimated 27.3% of Florida drivers were uninsured.
What does UM coverage cover?
- Medical expenses
- Lost wages
- Pain and suffering
- Property damage
- Wrongful death
How much UM coverage should I have?
The amount of UM coverage you need will depend on your individual circumstances. However, it is generally recommended that you have at least as much UM coverage as you have bodily injury liability coverage.
How to purchase UM coverage
If you are interested in purchasing UM coverage, you should contact your auto insurance company. They will be able to tell you how much UM coverage is available in your state and how much it will cost.