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12/28/13: Is it important to have Uninsured Motorist Insurance if I am in a Car Accident in Fort Myers, Naples, or Port Charlotte?

If you are involved in a car accident in Fort Myers, Naples, or Port Charlotte you want your insurance company to cover all of the expenses.

If you are in an accident with a person who doesn’t have car insurance the unfortunate reality is that you may end up having to spend money out of pocket to take care of the expenses that are incurred. If you are in a car accident and the other driver is not insured your PIP policy will cover up to $10,000 of your medical expenses. However, many times medical expenses relative to a car accident go far beyond $10,000 – what happens when the other driver is not insured and your PIP coverage has been exhausted? If you don’t have Uninsured Motorist Coverage as part of your insurance coverage you will be liable for the amount beyond the PIP coverage. However, when you have Uninsured Motorist Coverage (or UM) the UM coverage protects you as if the other driver was insured (with your UM coverage taking the place of the other drivers absent insurance). UM coverage will also take care of the expenses if you are in an accident with an underinsured motorist.  For instance, if the other drivers insurance policy will only cover $20,000 of $30,000 in expenses your UM coverage will cover the last $10,000. 

The lawyers at Viacava & Cantor understand how important adequate insurance policies are to the drivers of Fort Myers, Naples, Port Charlotte and all of Southwest Florida. Adding Uninsured Motorist Coverage to your existing policy is generally just a small increase to your monthly insurance payment. If you have been in a car accident in Fort Myers, Naples, or Port Charlotte a lawyer from Viacava & Cantor will be more than happy to answer any and all questions that you have regarding the situation. Call Viacava & Cantor today for a free consultation.