Auto Accident with an Uninsured Driver
A motor vehicle accident is always a stressful event. To make matters worse, even if the accident is someone else’s fault, that other driver may have little to no insurance to help you recover financially. If you planned right, your own insurance policy will be your saving grace; this portion of your auto policy known as Uninsured/Undersigned Motorist Coverage (“UM” Coverage) essentially details what your maximum recovery will be in such a situation.
Every Florida automobile insurance policy allows their insured to select UM Coverage, along with many options to decrease or increase the amount of the UM Coverage. You can also elect to “stack” your coverage with other vehicles on the same policy, further increasing the maximum payout to you for any injuries or loss.
So, take the time to understand your auto insurance policy and consider electing UM Coverage if you have not already done so. In the unfortunate event you are involved in an auto or motorcycle accident with an uninsured or underinsured motorist, Mackey Law Group’s experienced personal injury attorneys will be able to navigate your insurance documents and determine the maximum monetary award you are entitled to receive.
By: Catherine Mackey, Esq.