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An FAQ on uninsured & underinsured insurance policies

Florida requires that all vehicles are insured. But the required minimum coverage is $10,000 personal injury protection and $10,000 property damage liability. For those that drive on state roads without insurance, the Department of Highway Safety and Motor Vehicles can suspend driving privileges.

Even with the laws on the books, there are an estimated one in seven drivers with no insurance or minimal coverage. But car accidents with uninsured or poorly insured people don't have to be a concern if you purchase uninsured/underinsured coverage. These policies are designed to protect you from monetary loss in an auto accident.

What is the difference between underinsured & uninsured coverage?

These insurance coverage types are designed to provide help in accidents with at-fault drivers who have no insurance or limited liability coverage. It costs a little bit more to add to your policy, but the protection is well worth it if injured in a car crash.

Though these types of insurance are similar, it is important to understand their differences.

Uninsured motorist coverage kicks in if the at-fault driver doesn't have any form of liability insurance. It will help pay for the car damage and any health expenses that may have incurred as a result of the accident.

By contrast, underinsured coverage only comes into effect if the at-fault driver does have insurance, but it doesn't offer enough coverage to pay for your expenses. The insurance of the at-fault driver will pay up to its limits, at which point the underinsured coverage will pay for the rest.

Make sure that you check your policy to ensure it covers both bodily injury and property damage. Bodily injury coverage will cover your medical expenses and lost wages as a result of a car accident, and will also help pay for your treatment in a hit-and-run incident. Property damage insurance will help cover repair or car replacement costs to your vehicle.

Coverage limitations

In some cases, split limits may be applied to your policy. This means that your policy benefits may be split between the people in the accident. However, single limit policies are available, meaning that your benefits will stay in one payment. Stacking insurance policies may provide more benefits. But this analysis can become complicated.

If you have any more questions about insurance coverage prior to or after an accident, please feel free to contact us for a policy review. At Brannon & Brannon, we have been helping injury victims for decades and can help you fully understand your car insurance rights.

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Our legal team consists of attorney Wm. Dennis Brannon and his son C. Paul Brannon. We work together as a father and son team to provide our clients with exceptional service and solutions in motor vehicle accident claims and other personal injury matters.

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