{"id":687,"date":"2015-12-08T10:37:00","date_gmt":"2015-12-08T10:37:00","guid":{"rendered":"https:\/\/pablobeach.shapiroinsurancegroup.com\/?p=687"},"modified":"2018-02-14T10:00:16","modified_gmt":"2018-02-14T10:00:16","slug":"auto-accidents-uninsured-motorist-coverage","status":"publish","type":"post","link":"https:\/\/pablobeach.shapiroinsurancegroup.com\/auto-accidents-uninsured-motorist-coverage\/","title":{"rendered":"Auto Accidents &#038; Uninsured Motorist Coverage"},"content":{"rendered":"<p><a href=\"https:\/\/pablobeach.shapiroinsurancegroup.com\/auto-insurance\/\"><img decoding=\"async\" class=\"alignright\" title=\"Uninsured_motorist_coverage.jpg\" src=\"https:\/\/pablobeach.shapiroinsurancegroup.com\/wp-content\/uploads\/2015\/12\/Uninsured_motorist_coverage.jpg\" width=\"320\" data-constrained=\"true\" \/><\/a><em><strong>What happens if you get into an accident and the other driver doesn&#8217;t have insurance?<\/strong><\/em><\/p>\n<p>That is where\u00a0Uninsured Motorist coverage comes into play in the state of Florida .<\/p>\n<p>In my experience, these are the most misunderstood auto insurance coverages of all. However, they can make a big difference in some key situations.<\/p>\n<p><strong>Why You May Need Uninsured Motorist Coverage<\/strong><\/p>\n<ul>\n<li>Another driver causes an accident, damaging your vehicle and perhaps injuring you, but doesn\u2019t carry any insurance coverage.<\/li>\n<li>The driver responsible for the accident doesn\u2019t carry enough insurance to pay for all of the damage you incur. Hence the driver\u2019s insurance may pay for some of your car repair and medical costs but not all of them.<\/li>\n<li>The at-fault driver has insurance, but the carrier is financially unable to pay the claim.<\/li>\n<li>You\u2019re involved in a hit-and-run accident (state laws vary here).<\/li>\n<\/ul>\n<p>So, you see, uninsured motorist coverage can come to your aid in many instances. Yet, the state of Florida allows the insured to reject U\/M coverage or even carry less limits than Bodily Injury if you so choose. Some drivers still bypass the coverage, and their reasons for doing so are oftentimes based on some common misconceptions. So, let\u2019s clear those up.<\/p>\n<p><strong>Myth\u00a0#1<br \/>\n\u201cUninsured motorist coverage will make my car insurance too expensive.\u201d<\/strong><\/p>\n<p>Yes, you will save money by not purchasing these coverages. But, for how long? If you encounter one of the above scenarios and find yourself paying for medical bills and car repairs out of your own pocket, you\u2019re no longer saving money. If it\u2019s a serious accident, your costs could be catastrophic.<\/p>\n<p><strong>Myth #2<br \/>\n\u201cI have health insurance, so I don\u2019t need uninsured<\/strong><\/p>\n<p>Great \u2013 it\u2019s important to have health insurance. But, will it pay for lost wages and long-term care stemming from an auto accident? Likely not. In fact, your carrier may prohibit your health insurance from being used as primary coverage in the case of an auto accident. If so, you may need to first exhaust your auto insurance coverage before you\u2019re eligible for benefits from your health insurer. Your health insurance deductible is also something to consider. If it\u2019s high, you could elect to pay your auto deductible and use your uninsured motorist coverage, when applicable, instead.<\/p>\n<p><strong>Myth #3<br \/>\n\u201cI don\u2019t want to be over-insured. I\u2019ll just purchase the minimum car insurance my state requires.\u201d<\/strong><\/p>\n<p>When you follow state requirements for purchasing car insurance, you typically end up only buying coverage to pay for other people\u2019s injuries and car repairs, not your own. So, in many instances, only buying the minimum can leave you underinsured.<\/p>\n<p><strong>Myth # 4<br \/>\n\u201cI live in Florida, a no-fault state, so my own car insurance will pay for my repairs and medical costs.\u201d<\/strong><\/p>\n<p>This is typically true, assuming you bought the needed coverages and enough of them. In a no-fault state, no matter who causes the accident, a driver\u2019s own insurance usually takes care of the necessary repairs and medical treatments, up to the policy limits. However, even in a no-fault state, uninsured motorists coverage could come in handy for such costs as lost wages.<\/p>\n<p><strong>Myth #5<br \/>\n\u201cIf the other driver is at-fault, I can rely on his\/her insurance carrier to cover my costs.\u201d<\/strong><\/p>\n<p>Ideally, yes. Unless you live in a no-fault state or you\u2019re involved in one of the four scenarios outlined above. Then you may only have your insurance to rely on. That\u2019s why it\u2019s important to make sure it\u2019s enough.<\/p>\n<p>I hope by now you have a better understanding of why you may or may not want uninsured motorist or underinsured motorist coverage on your auto policy. Depending on your state, uninsured motorist coverage could be required, optional or not even offered. Underinsured motorist coverage typically is not required.<\/p>\n<p>Remember, to answer these questions on uninsured motorists coverages or any other question you have\u00a0<a href=\".https:\/\/pablobeach.shapiroinsurancegroup.com\/contact\/\"><strong>contact us at Pablo Beach Insurance Group<\/strong><\/a>. We will be more than happy to assist you.<\/p>\n<p><span id=\"hs-cta-wrapper-1200ccbb-3072-47c9-9103-779dd49ce051\" class=\"hs-cta-wrapper\"><span id=\"hs-cta-1200ccbb-3072-47c9-9103-779dd49ce051\" class=\"hs-cta-node hs-cta-1200ccbb-3072-47c9-9103-779dd49ce051\"><a href=\"https:\/\/pablobeach.shapiroinsurancegroup.com\/contact\/\"><img decoding=\"async\" id=\"hs-cta-img-1200ccbb-3072-47c9-9103-779dd49ce051\" class=\"hs-cta-img\" src=\"https:\/\/pablobeach.shapiroinsurancegroup.com\/wp-content\/uploads\/2015\/12\/1200ccbb-3072-47c9-9103-779dd49ce051.png\" alt=\"Start the Conversation\" \/><\/a><\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>What happens if you get into an accident and the other driver doesn&#8217;t have insurance? That is where\u00a0Uninsured Motorist coverage comes into play in the state of Florida . In my experience, these are the most misunderstood auto insurance coverages of all. However, they can make a big difference in some key situations. Why You [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":688,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":""},"categories":[12],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Auto Accidents &amp; Uninsured Motorist Coverage - Pablo Beach Insurance Group<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pablobeach.shapiroinsurancegroup.com\/auto-accidents-uninsured-motorist-coverage\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Auto Accidents &amp; Uninsured Motorist Coverage - Pablo Beach Insurance Group\" \/>\n<meta property=\"og:description\" content=\"What happens if you get into an accident and the other driver doesn&#8217;t have insurance? That is where\u00a0Uninsured Motorist coverage comes into play in the state of Florida . In my experience, these are the most misunderstood auto insurance coverages of all. However, they can make a big difference in some key situations. Why You [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/pablobeach.shapiroinsurancegroup.com\/auto-accidents-uninsured-motorist-coverage\/\" \/>\n<meta property=\"og:site_name\" content=\"Pablo Beach Insurance Group\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/PabloBeachInsuranceGroup\" \/>\n<meta property=\"article:published_time\" content=\"2015-12-08T10:37:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2018-02-14T10:00:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/pablobeach.shapiroinsurancegroup.com\/wp-content\/uploads\/2015\/12\/Uninsured_motorist_coverage.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1067\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Gilberto Rodriguez\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Gilberto Rodriguez\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/auto-accidents-uninsured-motorist-coverage\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/auto-accidents-uninsured-motorist-coverage\/\"},\"author\":{\"name\":\"Gilberto Rodriguez\",\"@id\":\"https:\/\/pablobeach.shapiroinsurancegroup.com\/#\/schema\/person\/74ca87cefc774f198fcc73c5adeb3ff9\"},\"headline\":\"Auto Accidents &#038; 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