Protect Yourself on Florida Roads: The Importance of Uninsured Motorist Insurance

Protect Yourself on Tampa Florida Roads: The Importance of Uninsured Motorist Insurance

Introduction

By George A. Kollias D.C.

With over 25 years of treating thousands of auto accident patients in Tampa Bay, I’ve seen a troubling trend: an increasing number of patients are discovering that the at-fault driver was uninsured or underinsured. This places a heavy financial burden on victims and their insurers. To make matters worse, many patients lacked uninsured motorist coverage, placing the entire financial burden on them. The following is a basic primer on the importance of carrying this coverage.

Florida boasts beautiful beaches, vibrant cities, and unfortunately, a high rate of uninsured drivers. Being involved in an accident with an uninsured motorist can be a financial and emotional nightmare. This is where uninsured motorist (UM) insurance comes in. In this blog post, we'll discuss the importance of UM coverage and how it can protect you and your family.

Understanding Uninsured Motorist Insurance

Uninsured motorist insurance protects you and your passengers if you're involved in an accident with a driver who doesn't have insurance or is under-insured. It can help cover medical expenses, lost wages, and other damages.

Why is UM insurance essential in Florida?

• High rate of uninsured drivers: Florida has one of the highest percentages of uninsured drivers in the nation.
• Protection for you and your family: UM coverage safeguards your financial well-being in case of an accident.
• Peace of mind: Knowing you're protected can alleviate stress during a difficult time.

What Does UM Insurance Cover?

UM coverage can provide compensation for:

• Medical expenses
• Lost wages
• Pain and suffering
• Property damage

It's important to note that the amount of coverage you need will depend on your circumstances so I recommend speaking with your insurance carrier to find out what coverages are right for you.

How Much UM Coverage Do You Need?

While Florida doesn't mandate UM coverage, it's highly recommended. The minimum UM coverage available is $10,000 per person and $20,000 per accident. However, this might not be enough to cover significant damages. Consider increasing your coverage to match your financial situation and needs.

The Role of Chiropractic Care After an Accident

If you're involved in a car accident, even if it seems minor, it's essential to seek professional medical attention. Chiropractic care can help address pain, stiffness, and other injuries that may not be immediately apparent. At Sheldon Road Chiropractic and Massage Therapy, we have over 25 years of specializing in treating car accident injuries and can help you recover from your accident.

Conclusion

Protecting yourself and your loved ones on Florida's roads is crucial. Uninsured motorist insurance provides an essential safety net in case of an accident with an uninsured driver. By understanding the importance of UM coverage and choosing the right amount of protection, you can have peace of mind knowing you're prepared for the unexpected.

If you've been in a car accident and are experiencing pain or discomfort, the team at Sheldon Road Chiropractic and Massage Therapy are here to help. Contact us today at 813-884-1457 to schedule an appointment or visit us on the web at https://www.sheldonroadchiropractic.com/auto-accident/ for more information.

Disclaimer: This blog post is intended for informational purposes only and does not constitute legal or financial advice. Please consult with an insurance professional or attorney for personalized guidance.