Do I Need Uninsured Motorist Coverage?

January 3, 2011

Consumers asking themselves "Do I need uninsured motorist coverage?" should usually answer "yes". Some states mandate uninsured motorist coverage for vehicle owners, but it makes good sense to have this protection regardless. If you have an accident with an uninsured party, your protection may cover you for disease, death, vehicle damage and other losses. Benefits may extend to "injuries, lost wages, property damage, and pain and suffering" in Florida according to The MAUS LAW FIRM website. Without uninsured motorist protection, you may spend significant attorney time and expense in attempting to sue the offending party. Drivers lacking their own medical insurance or much personal injury protection should consider this coverage especially. Often your uninsured motorist insurance protects you as a pedestrian hit by an uninsured driver as well.