Lots of my clients think they have Full Coverage just because that’s what they were told when they bought car insurance. In Florida Full Coverage is sometimes open to debate.  Insurance companies are not too good about explaining it, and clients often wind up with less than full coverage.

The whole subject of automobile insurance coverage is as boring as can be.  Until you have an accident you just pay and pay, for years, never thinking you will be in an accident or have to make a claim.  Lots of people are laid off, and they can’t afford to pay for insurance so they drive around with no coverage.  It is estimated that 40% of the drivers in Florida have no insurance.  When you add the people who only have Personal Injury Protection (PIP) benefits, the number of drivers with no liability insurance is probably 50%.

So, the moral of the story is to get insurance so that if you are in an accident you don’t have to rely on the at fault driver being financially responsible for your accident.  How?  By getting Uninsured Motorist insurance coverage from your own auto liability insurance company.  Florida law gives you the right to buy this valuable insurance.

But why get it if you already have a major medical insurance policy through work, or have medicare?

Because Uninsured motorist insurance and Medicare pay for different things that are not covered in a major medical or medicare plan.  Like what?  Let me make a short list:

  1. Loss of vision
  2. Loss of hearing
  3. Loss of ability to talk
  4. Loss of taste, touch and smell
  5. Loss of ability to drive a car, go shopping, or play golf
  6. Loss of ability to fish, swim or bowl
  7. Loss of ability to remember
  8. Loss of ability to sleep
  9. Lost income
  10. Lost of a relationship with a loved one

How much are those things worth?  In my opinion they are priceless.  But the law gives you the right to get compensated for them if you have Uninsured Motorists coverage and are seriously injured by a driver with little or no insurance.

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