What is the purpose of obtaining uninsured or underinsured motorist coverage?

Underinsured or uninsured motorist coverage is one of the most important insurance coverages I see in what I do every day helping accident victims. It is not a required insurance in the state of Florida, but what it does is that if the person who causes a car accident doesn’t have either any insurance at all or doesn’t have enough insurance to cover you for your damages, for your medical bills, for your lost wages, for your pain and suffering, you can have what’s called the underinsured/uninsured motorist coverage that you have through your own insurance company which will kick in then and cover you for your damages.

It is the most expensive insurance coverages out there so many drivers do not carry it, but it is so important because, God forbid, you get in a car accident and the other driver doesn’t have the insurance coverage to cover you, then you will have your own insurance coverage to look on and so it’s really important to talk to your insurance agent about uninsured/underinsured motorist coverage.