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Do you know what kind of car insurance you have?

Most people shop around to get the cheapest rate on car insurance when looking to switch or insure a new driver. But some DON’T BUY IT AT ALL!!

That may surprise you, but according to 2019 data from the Insurance Research Council, it is estimated that 12.6% of motorists across the United States do NOT have insurance. They also further estimated that 8.3% of Texas drivers are uninsured.

Different states have different insurance requirements so it is important that you maintain coverage for your own vehicle at all times. Florida has the highest rate of uninsured motorists with an estimated rate of 26.7%! Not only that, residents of Florida are not required to have bodily injury liability. This means if you’re hit by a Florida motorist, your odds of them being insured are less than 1 in 4. Even worse, the chances of compensation for your injuries are even slimmer. Not cool, Florida.

Know your options.

When someone calls our office after they’ve been hit by an Uninsured driver, most of the time, the person who hit them didn’t even get a ticket for being uninsured. We often ask our clients if they have Uninsured Motorist Coverage, commonly referred to as UIM, and they reply that they have “Full Coverage”. However, this type of coverage often refers to Collision which will only cover damages to your vehicle – not your injuries.

Uninsured Motorist (UIM) and Underinsured Motorist (UM) coverage will cover your bodily injuries when you’re hit by someone without insurance or someone without enough insurance. These are two separate types of coverage that are typically bundled together. Many motorists choose not to include these coverages due to financial concerns. We ask that you consider the financial implications of being seriously injured by someone without insurance.

Most people buy car insurance and then forget the coverage they have. The last thing you want to do is suffer through your injuries if you’ve been hit by an uninsured or underinsured driver. Take a minute today to review your coverage to see if you’re protected if you get hit by an uninsured driver. 

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