Why is Uninsured Motorist Coverage Important?

Uninsured Motorist (UM) Coverage is a type of coverage on your automobile policy that protects you if you are involved in an automobile accident and the at-fault driver does not have Bodily Injury Coverage or does not have enough coverage to pay for your injuries.

In our opinion, UM coverage is one of the most important types of auto insurance you can buy. The reason is that as many as one-third of all Florida car drivers are underinsured or have no insurance at all. If one of these people hit you and causes a car accident, you will only be protected if you purchased UM coverage.

You likely have uninsured motorist coverage

Even if you are unaware of it, you may have UM coverage already. Many states require insurance companies to offer this coverage with every policy they provide. Auto insurers must present new customers with the option to include it when signing them up for a policy.

Insurance agents may not fully explain to you what Uninsured Motorist Coverage is when you are purchasing an automobile policy from them. In fact, they usually rush right through that section. Sometimes they even try to discourage you from buying it because the insurance company often loses money on UM coverage.

Drivers who do not wish to have UM protection often must submit a written statement formally rejecting the coverage. While the added cost may not seem worth it, having protection from uninsured or underinsured drivers can save you from a significant financial burden in the event of a collision.

Check your Automobile Insurance Policy to verify whether or not you have Uninsured Motorist Coverage. If you do, great—you are protected. If you do not, call your agent and have it added to your policy. It is for your benefit to have this coverage.

An attorney can help you navigate your uninsured motorist claim

If you are facing physical and financial damages after an accident with an uninsured driver, it can be beneficial to hire an attorney to represent you. Even if filing a UM claim with your insurance company seems straightforward, you can still run into snags that put your financial recovery in jeopardy.

The team at Distasio Law Firm can review the circumstances of the collision that caused your injuries, along with your damages and your UM policy. With the information we gather, we can:

  • Determine the amount of compensation you need to cover your damages
  • Collect evidence that proves the other driver’s fault and lack of sufficient coverage, supporting your need for compensation from your UM policy
  • Help you fill out and submit your insurance claims
  • Represent you in communications with your insurance company
  • Decide if further action is needed to obtain adequate compensation for your damage

We can also address your questions throughout the process. Even if you are unsure of the legal help you need, take advantage of our complimentary case assessment. There is no obligation to work with us after we review and discuss your case, so you have nothing to lose.

Call our attorneys today

Let our team help you through the insurance claims process. Call (813) 259-0022 now to find out more.


Our main office is here in Downtown Tampa, Florida in the Channelside neighborhood. Office in Wesley Chapel and Largo are available by appointment only.

Distasio Law Firm