Is it necessary to carry uninsured motorist coverage in a no-fault state such as Florida
Answers:
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Of course. Do you think that NO ONE ever drives without insurance? Be covered and be protected against financial ruin.
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If you are a person who rarely carries passengers and you have good health insurance (which would cover any injuries you might incur in an accident anyway) why do you need to carry uninsured motorist coverage (which only covers bodily injury, not damage to your veh)? Answer. You don't.
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In addition, in Florida you are required to have PIP (usually $10,000 worth of coverage) anyway, so you end up with like triple coverage if you have a good medical policy, PIP and Uninsured Motorist coverage.MOST MEDICAL HEALTH ONLY PAYS A LIMITED PT, WHAT IF YOU NEED A NURSE TO TAKE CARE OF YOU OR FAMILY MEMEBER? YOUR MEDICAL HEALTH DOES NOT PAY FOR THAT.
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Contrary to what is written above, you need uninsured motorist coverage for the simple fact that it also provides for lost wages. If the accident causes you to miss time from work, how are you going to recoup those wages? Does your health insurance provide that coverage? Nope.Uninsured motorist also provides a pain and suffering benefit. If the person who hit you doesn't have the money to pay for insurance, how much money do you think you'll be able to get from them for pain and suffering? Nada.
Get it- you need it.
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No, it is not necessary. Anyone who says you should have it without enquiring about how this might be duplicated because of other insurance coverage or job benefits is just a salesman. Each situation is different. As a general rule, however, if you have good health insurance you don't NEED this insurance. ad
Relevant answers:
It is not a mandatory coverage. However, you have no bodily injury coverage if you are injured by an uninsured motorist.
If you have medical insurance, Uninsured Motorist coverage is NOT important. Your medical insurance will already pay your medical bills. The only people that recommend this coverage are lawyers,...
I believe the correct answer for the UIM insurance is optional in most states and not a requirement. this is to cover damages to vehichle and person in the incident of a collision which is not ruled...
This is actually ONE coverage, serving two different purposes. You will often see this expressed on a declarations page as UM/UIM. Uninsured motorist coverage is self explanatory. YOUR uninsured...
I'm not 100% sure about Florida specifically, but in most states Uninsured Motorist is a required coveage. Maybe you are thinking about some other coverage? Like Uninsured Motorist Property Damage?...
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