What is Covered by Florida Uninsured Motorist Insurance?
In this video, we are going to talk about Florida uninsured motorist insurance and understanding your uninsured motorist vehicle insurance claim.
If we’re chatting about this, you’ve been in an auto wreck and it wasn’t your fault that you got into the auto wreck. Someone else violated a rule of the road and drove bad and caused the wreck.
And what if you’re injured, right? So now you come to us as your Tampa car accident attorney because you’ve been injured in an auto wreck and you have a claim.
But what if the bad driver doesn’t have any insurance or what if the bad driver has too little insurance?
You’ve really been hurt and you have a lot of medical bills now and you’re going to have future medical bills, but the bad driver has very little insurance.
Well, that’s why we’re going to look for uninsured motorist coverage.
Understanding First-Party Insurance
Now, unlike the other driver’s insurance, uninsured motorist coverage is what we call first-party insurance. It’s something that usually you’ve purchased through your car insurance company. If you personally have not purchased it, maybe you live with someone who has this insurance.
If that’s not the scenario, perhaps you’re riding shotgun with someone when the accident happened. They’re not at fault, someone else still caused the accident or you’re borrowing someone else’s vehicle. They could have the uninsured motorists coverage, but it’s this first party insurance coverage.
And what it does is it pretends to be the bad driver’s bodily injury coverage. So in other words, it’s insurance coverage that’s been purchased to protect someone who’s been injured by the fault of a bad driver.
How To Know If It Applies To Your Case
So, how do you know if Florida uninsured motorist insurance is going to apply in your case?
Well, the first place that you can look is on your proof of insurance, your insurance card.
(By the way, if you’re watching this video or reading this transcript, you’ve probably already retained us. We already have a copy of your insurance card. We probably have already talked about this potential by looking at it.)
Sometimes on the insurance card, it will be stamped on there, it will say the letters, UM, standing for uninsured motorist and it will have some numbers next to it, but most of the time it’s not on these insurance cards.
If it’s not on your insurance card, then we’re going to turn to your declaration page. That is the official insurance documents that you got when you purchased your insurance.
If we’re looking under your Florida uninsured motorist insurance or if we’re looking at a resident or relative or the person who was driving the vehicle that you borrowed or the person who was driving the vehicle while you were a passenger, we have to go directly to their insurance company to get the declaration page.
Checking The Declaration Page
This is a copy of a declaration page, of a sample one. This is a Progressive dec page, and for this particular person, you see that they have liability coverage.
They have personal injury protection, but this particular person also has uninsured motorist non-stacked coverage in the amount of per $10,000 per person or $20,000 per accident. And what that means is, in this particular case, assuming this uninsured motorist coverage applies to our client, then there’s going to be $10,000 worth of coverage for her to cover her bodily injury, pain and suffering, and that sort of loss.
You can also check your UM selection or rejection page. By the way, we’re doing this in every case. This is nothing that you actually have to do if you’re our client. I mean, this is the stuff that we’re doing right out within 24 hours of you retaining us.
We’re going to the actual insurance companies themselves and getting this information for every possible claim. But we want you to be informed so you know what we’re doing.
Declaration Page Does Not Have Uninsured Motorist Insurance
So, if we see that a declaration page doesn’t have any Florida uninsured motorist insurance listed on it, we’re still checking the UM selection or rejection page. And that’s what this is right here.
Let’s say that we’re looking at your Florida uninsured motorist insurance. Every time that you buy any insurance, Florida law says that you have to fill out this form and the insurance company has to make sure you fill out this form and it’s a form where you’re going to choose the uninsured motorist coverage that you have or you’re going to choose to reject the Florida uninsured motorist coverage.
So the reason this is required by law is that uninsured motorist coverage, it’s a great thing. It’s really important and it can really protect you and really protect somebody who’s injured because of somebody else’s mistake. And it’s not that expensive because Florida law makes sure that the insurance companies don’t make it too expensive.
But insurance companies don’t make a lot of money off this coverage. So they really want you to waive it.
And so because they really want you to waive it, if the insurance companies had their own way, you wouldn’t sign anything, they’d just sweet talk you over the phone and you would end up waiving it and they’d sell you crap insurance that wouldn’t really help you.
Law On Waiving Florida Uninsured Motorist Insurance
So Florida law makes sure that if you’re going to waive your uninsured motorist, that you sign this document and even if you don’t have uninsured motorist coverage, if the insurance company can’t produce this document for us, then we get to say that you do have uninsured motorist coverage, that you have uninsured motorist coverage in the amount of whatever bodily injury coverage you may have purchased.
And if you’ve seen our video on bodily injury coverage, that’s the coverage that you get to protect you from in case you accidentally hurt somebody else and they make a claim against you. That’s bodily injury coverage.
So this document’s really important. We’re going to request it and every single case. Again, you don’t have to do that. That’s just something that we do automatically that gets done, that we do within 24 hours, of you coming to our firm. And we end up getting this document within 30 days because that’s where it’s required by the law. And we also request this document from anyone else who might have this uninsured motorist coverage that might protect you.
Let The Attorney Check All Your Insurances
So in recap, it’s important that you help us check all the insurances in your house. So like I said, resident relative. What that means is if you live in a house with somebody else who has uninsured motorist coverage, it might apply.
We’ve had cases before with a granddaughter. One, in particular, jumps out where I had a granddaughter who was staying half the time with grandma and she was sleeping on the couch, but she was getting her mail there and long and short of it was that the granddaughter ended up being covered under grandma’s uninsured motorist coverage.
Contact Us If You Have Any Questions
So you don’t have to do any of this. Again, we do it all for you. Just make sure you give us the information. Make sure we’re chatting so that we know who these potential people might be that might have insurance that might apply to you so we can check for you. Any questions, let me know.