This past week I have had to tell three different people who suffered catastrophic injuries caused by a negligent driver that there was simply little or no insurance to pay their medical bills.
I have written about this before and will no doubt write about it again. Florida’s insurance scheme leaves many people with catastrophic injuries unable to pay their medical bills because Florida law does not require bodily injury and uninsured motorist coverage with significant limits.
Uninsured motorist is the most important coverage you can purchase because it protects you if you are injured! Bodily injury coverage protects other people who you may injure.
If you are not purchasing both coverages then you are leaving yourself at the mercy of others. If you can’t be bothered to protect yourself, why do you think a complete stranger is going to do so? You simply can’t count on the “at fault” driver to have sufficient policy limits.
Purchase automobile insurance with BI and UM limits of at least $100,000/$300,000.
I am available for free consultations regarding any matters related to personal injury.