Of course. Do you think that NO ONE ever drives without insurance? Be covered and be protected against financial ruin. If you are a person who rarely carries passengers and you have good health insurance (which would cover any injuries you might incur in an accident anyway) why do you need to carry uninsured motorist coverage (which only covers bodily injury, not damage to your veh)? . You don't. In addition, in Florida you are required to have PIP (usually $10,000 worth of coverage) anyway, so you end up with like triple coverage if you have a good medical policy, PIP and Uninsured Motorist coverage.
MOST MEDICAL HEALTH ONLY PAYS A LIMITED PT, WHAT IF YOU NEED A NURSE TO TAKE CARE OF YOU OR FAMILY MEMEBER? YOUR MEDICAL HEALTH DOES NOT PAY FOR THAT. Contrary to what is written above, you need uninsured motorist coverage for the simple fact that it also provides for lost wages. If the accident causes you to miss time from work, how are you going to recoup those wages? Does your health insurance provide that coverage? Nope.
Uninsured motorist also provides a pain and suffering benefit. If the person who hit you doesn't have the money to pay for insurance, how much money do you think you'll be able to get from them for pain and suffering? Nada.
Get it- you need it.
No, it is not necessary. Anyone who says you should have it without enquiring about how this might be duplicated because of other insurance coverage or job benefits is just a salesman. Each situation is different. As a general rule, however, if you have good health insurance you don't NEED this insurance.
Underinsured and uninsured motorist coverage protects drivers when the in Florida as the state does not require motorists to carry bodily injury coverage.
I'm not 100% sure about Florida specifically, but in most states Uninsured Motorist is a required coveage. Maybe you are thinking about some other coverage? Like Uninsured Motorist Property Damage? Contact the FL dept of insurance and they can tell you the required coverages and limits.
Stacked coverage means that you may combine your coverage limits for each automobile insured under your policy. For example, if you insure three cars and obtain stacked coverage with limits of $10,000 per person and $20,000 per accident for each auto. Your stacked, or combined, coverage will total $30,000 per person and $60,000 per accident. If the coverage was unstacked, then the limit of coverage for each vehicle would be $10,000 per person and $20,000 per accident.Stacked Uninsured Motorist Insurance is the best type of UM insurance to protect you and your family. Here is how Uninsured Motorist insurance works. It will pay for your damages if you get in an accident with an at-fault driver who does not have ANY Bodily Injury Insurance, which is called an Uninsured Motorist
I have no really idea as to what companies takes care of motorist insurance when you are someone who is uninsured in Florida. I can only mention these names to help you out: All State, AAA. Geico and eTrade maybe.
No, you cannot sue your insurance company for injuries....actuallly, I take that back. You can sue anybody for anything...but in this case, you would not win. Your policy should have a coverage called Uninsured Motorist Coverage. Typically, this would cover the injured parties in your vehicle if the accident was caused by an uninsured driver. This would cover your injuries in such an incident. Unfortunately, this coverage is not discussed by most insurance agents and is included as an afterthought. Be sure to check your policy and see if this is there. You should never have a lower Uninsured Motorist coverage than your Bodily Injury amount.
I believe the correct answer for the UIM insurance is optional in most states and not a requirement. this is to cover damages to vehichle and person in the incident of a collision which is not ruled as your fault, when the other driver is at fualt. As for good advice it should be carried on all your policies to protect you from having claims against your normal insurance coverage in such cases where you are not at fault. In the state of Florida it might be a requiem since there are a large number of unisured motorist in existance there.
Don't know the statute but it is probably under common sense. If your health insurance paid for medical costs caused by an uninsured motorist for which you have coverage shouldn't they be reimbursed. I suppose you think it's a better idea for you to collect twice for the same charges and keep one of them. Not going to happen. All health insurance plans have a clause that states subrogation rates for other coverage will be deemed reimbursed from the auto claim. Sorry.
This might depend on the requirements of your particular insurance company. Keep in mind that PIP only covers injuries and Liability only covers damage that you do to someone else or their property. The damage to your car can only be covered if you have Uninsured Motorist Property Damage coverage or Collision coverage.
Your best bet is to try and get a policy under your parents plan. This will give you discounts that you may not get otherwise when starting out on your own. If that is not an option, you should go to an insurance broker.
If the vehicle is not being driven you are not required to have insurance. Many people however, do still carry, comprehensive coverage on the ''parked or garaged'' vehicle. This coverage protects you from theft, weather, fire, vandalism etc.
Uninsured motorist protection is strongly recommended for Florida drivers. This coverage insures that medical costs and property damage caused by an individual driving without liability or PIP insurance will be taken care of. Florida has rather unusual laws concerning liability coverage. The normal liability policy required in most states is not mandatory in Florida but a combination of PIP and property damage protection must be carried by all licensed drivers. If an individual is not carrying this insurance and causes an accident, resulting injuries and property damage will not be covered unless the innocent party has uninsured motorist protection.Purchasing UM Insurance In FloridaAll agents licensed to sell car insurance in Florida can offer this coverage. It is always suggested by an insurance provider when a liability policy or PIP insurance is purchased. The amounts of the coverage can vary. Most insurance agents will recommend carrying protection equal to what is required by law for PIP. This minimum amount will cover non-fault parties in the amounts of $10,000 for injuries to one person, $20,000 for injuries to all non-fault individuals in a single accident and up to $10,000 to cover the cost of vehicle damage sustained by the party not at fault.Florida transportation officials and insurance experts recommend carrying at least this amount of UM. Larger policy amounts can be purchased but will increase the monthly premium. Drivers should consider the consequences of being involved in an accident caused by an individual not carrying required insurance. The victim can sue this individual but may never see any monetary compensation.Coverage For Additional Household MembersThe cost of uninsured motorist protection depends on who is being covered. If there are multiple drivers in the household and several vehicles being insured the cost of UM for all drivers will not be significantly higher than a policy written for a single individual. These costs will vary from one insurance company to another. Vehicle owners are advised to check first with their current insurance provider and then look at the rates charged by competing companies. On online comparison site is a good place to conduct this investigation. Adding uninsured motorist insurance to PIP often results in a discounted price, but not all insurance providers will offer this discount unless a full collision and comprehensive insurance package is purchased.Rates for uninsured motorist protection may also be affected by the driving history of the customer. Even though this insurance protects drivers who are not at fault, riskier individuals usually end up paying higher premiums because they are more likely to file any type of claim.
The state of Florida requires a bare minimum coverage which is $10,000 personal injury protection (PIP). Also the State of Florida requires that Florida Car Owners have coverage for $10,000 property damage liability (PDL).