Why Have Uninsured Motorist Protection If You’re Not Going to Use It?

Based in Winter Park, Florida, our personal injury attorneys at Cullen & Hemphill have successfully recovered tens of millions of dollars for our deserving clients.

Through the years, one issue comes up repeatedly. Many of our cases involve auto accidents where the at-fault party does not have enough insurance coverage to cover the medical expenses of the people they injured. Therefore, you’ll find many of our posts and videos dedicated to explaining the virtue of Uninsured Motorist coverage (UM).

For example, we recently received a call from a potential client involved in an accident. The at-fault driver had limited insurance coverage, insufficient to cover our caller’s injuries. As is sometimes the case, the caller wanted to pursue the driver personally for additional compensation. During our conversation, we discovered that the caller had uninsured motorist coverage, which could provide the necessary compensation without the hassle of pursuing the at-fault driver.

Uninsured motorist coverage steps in when the at-fault driver lacks sufficient insurance. Despite having this coverage, the caller was hesitant to use it, fearing increased insurance rates. We explained that using uninsured motorist coverage in a non-fault event should not raise rates. Unfortunately, many people share this misconception, enriching insurance companies by not making claims to which they are entitled.

The moral of the story is clear: if you have uninsured motorist coverage, use it when needed. It’s there to protect you. Don’t let misconceptions prevent you from receiving the compensation you deserve.

If you have questions about car accidents, uninsured motorist coverage, or Florida insurance laws, please call us at 407-254-4901 or visit our website at www.cullen-hemphill.com. We’re here to help you navigate these complex issues and ensure you get the justice you deserve.