Uninsured Or Underinsured Motorist Coverage

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Having Uninsured or Underinsured Motorist Coverage on Your Insurance Policy

            Uninsured or Underinsured Motorist Coverage (UM Coverage) is a very important coverage that we Demesmin and Dover recommends that everyone elect and pay for on their OWN insurance policy. If you get hit by someone without insurance or without Bodily Injury Coverage, and you chose to elect UM Coverage on YOUR OWN policy, you can then seek compensation for your injuries, loss of income, pain and suffering, and other damages from your OWN insurance company up to the limits you elected on YOUR OWN policy. Additionally, let’s say that the at-fault party had Bodily Injury Coverage, but their policy only has $10,000.00 in coverage and you have over $30,000.00 in bills, pain and suffering, and other damages. In that scenario, if you chose to elect UM Coverage on YOUR OWN policy, you can again seek compensation for your injuries, loss of income, pain and suffering, and other damages from your OWN insurance company for anything over and above the $10,000.00 dollar under the at-fault party’s insurance company. 

How To Get Uninsured Or Underinsured Coverage

            In order to obtain UM Coverage, you must first elect Bodily Injury Coverage on YOUR OWN policy and then you may elect to have UM Coverage on YOUR OWN policy at any limit up to the amount of Bodily Injury Coverage you elected on YOUR OWN policy. Based upon the statistics in Florida, and especially South Florida including Miami, Fort Lauderdale, and West Palm Beach, it is almost necessary to keep UM Coverage on YOUR OWN policy if you want to ensure that you will receive compensation for your injuries, loss of income, pain and suffering, and other damages after an auto accident in Florida. 

Recovering Above The Policy Limits

            Based upon the individual case and facts, there are times when we can obtain even further coverage for you or your loved one after a car accident in the State of Florida, even above the POLICY LIMITS! If you or a loved one has been in a car accident or suffered any injury, contact us at Demesmin and Dover for a free case evaluation, and we can help you and your loved ones navigate through it all while alleviating all the stress, because We Care More.