Should you Accept the Insurance Company's First Offer?

Leesburg Florida car accident lawyer explains Uninsured Motorist insurance

Posted by Guy DiMartino | Mar 02, 2013 | 0 Comments

Leesburg Florida car accident lawyer, Guy S. DiMartino, DC, JD, explains uninsured motorist coverage. 

Uninsured motorist coverage must be offered if a car insurance company sells you bodily injury coverage.  It is elective not mandatory.  If you do not want uninsured motorist insurance, you will have to sign a rejection form.  The typical Florida insurance policy defines uninsured motorist or uninsured motor vehicle as:

In exchange for a premium, we will pay damages not exceeding the limits shown on the declaration of insurance, which an insured person is legally entitled to recover from the owner or operator of an uninsured motor vehicle because of bodily injury caused by an accident.

In most policies, an “uninsured motor vehicle” is defined as follows:

  • Not insured at the time of the accident
  • A hit and run vehicle
  • The other vehicle is insured by a bodily injury policy that has limits, which are less than the damages the insured is legally entitled to recover

If you are driving in Florida, you need uninsured motorist coverage to protect yourself if:

The at-fault driver has little or no liability insurance (which is likely) and your case is worth more than the amount of insurance the driver had.  For an example, if the at-fault driver has $10,000 in coverage and you have $100,000 in UM coverage, you have $90,000 in excess benefits.

Stacked UM is a creature of Florida law that allows you to pay an extra premium to stack your UM benefits depending on the number of vehicles you own.  For example, if you own two vehicles and have $100,000 in UM coverage, you will have $200,000 in UM coverage available if needed.

If you drive in Florida, you should make sure that you have uninsured motorist coverage.  The minimum coverage a Florida driver should consider is $100,000/$300,000.  I cannot tell you how many clients I have encountered over the years who were not able to receive money for their medical bills, lost wages and injuries because the person who hurt them was uninsured and they did not purchase uninsured motorist insurance. AS I always say, insurance has only one purpose and that is to protect the purchaser.

If you have any questions about uninsured motorist coverage or if you would like a free copy of my book, call me directly on my cell at (352) 267-9168 or fill out the internet consultation form on the right.

About the Author

Guy DiMartino

I have loved helping people in need for almost three decades.  It has been my privilege to serve people as their pastor, chiropractor, and lawyer.  The current focus of my legal practice and life’s passion is helping the seriously injured receive complete compensation for their injuries. I am a Florida Board Certified Civil Trial Attorney. What that really means is that I am no stranger to the courtroom.  I have successfully tried and handled serious cases in state and federal courts.  My backgrounds in both law and chiropractic medicine have given me a unique perspective, extensive knowledge, and wide experience to serve those I represent. For years as a chiropractic physician, I treated my patients to alleviate their pain and suffering. Now as their lawyer, I fight to bring them financial compensation for their pain and suffering. During my years of service, I have handled many traumatic injury cases ranging from the traumatic amputation of a limb to brain and spinal cord injury.  I consider it an honor to serve you and your family. When a person entrusts me and I accept to represent them, I don’t take that relationship and responsibility lightly. My approach is that we work as a team. We are partners and our goal is the best outcome for you and your family with the highest level of communication throughout. I am always available by phone or email to discuss my potential representation of your injury case. I handle cases throughout Florida. Education: National University of Health Sciences – BS (1984), DC (1986) Valparaiso University School of Law – JD, summa cum laude (1999) Bar Admissions: Florida (2000), Indiana (1999), Illinois (2000, expired); US District Courts of Appeals (11th Circuit, 7th Circuit); United States District Courts: Southern and Middle Districts of Florida; Northern and Southern Districts of Indiana; Northern and Central Districts of Illinois; and District of Colorado. Certification:  Civil Trial, Florida Bar Guy DiMartino on Google+ – Circle Guy on Google+ Guy DiMartino on Google+

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