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Uninsured motorists place your life in jeopardy

Some people make to-do lists each day, checking off their accomplishments as they go. Others wake up in the morning with a goal in mind and only a hazy idea of the route they will take to get there. Whichever personality type is yours, you know how frustrating it can be when something happens during the day to disrupt your rhythm and ruin your plans.

When that disrupter is a motor vehicle accident, you likely face more than one day of inconvenience. In fact, you may be looking at weeks or months of pain, suffering and frustration as you try to get your life back on track. If the other driver had no insurance, your day just got even more complicated.

The limits of your insurance

Did you know about 20 percent of drivers in Florida carry no insurance? That's quite a gamble to take when it is your life at risk. As a law-abiding citizen, you likely carry no-fault insurance coverage, which means your insurance company will compensate you for your losses after an accident no matter which driver was at fault. However, the $10,000 limit Florida places on this type of coverage is not likely to meet the burden of your medical expenses following your accident.

Your health insurance may cover your hospital bills, but it won't compensate you for lost wages or for your pain and suffering. You will also have to meet the deductible on your health insurance plan. If the other driver is at fault, his or her insurance should cover your medical expenses. But if the other driver has no insurance, you may be facing a difficult road ahead.

The benefits of uninsured motorist coverage

Florida does not require you to have uninsured motorist coverage on your policy. However, since Florida has one of the highest rates of uninsured drivers in the nation, carrying UIM is not a bad idea. Even if the other driver has minimal insurance coverage, you may be able to use your UIM policy to make up the difference.

UIM typically covers all related medical expenses within your policy's limits, present and future lost wages related to the accident, and non-economic losses if your injuries prevent you from enjoying life as you used to. Of course, if you are suffering from injuries following an accident, you may not be able to pursue these benefits or fight for your rights if the insurance company denies your claim. Fortunately, you can seek assistance from a professional who has experience dealing with insurance companies for victims of accidents.

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