Jul 13

I Don’t Like Not Being Able To Help Because Of An Uninsured Motorist


Uninsured motorist coverage – it’s time for a refresher. Today, I had to turn away clients in two separate cases. Not because they were not hurt in their car accident, but because the at-fault driver carried no bodily injury liability coverage and my client didn’t protect herself and her family with the proper insurance coverage.

Nearly one out of four drivers in Florida are driving with no car insurance according to a recent report from CarInsurance.com. This makes Florida the state with the highest uninsured motorist rate. This is why you have to protect you and your family.

the importance of uninsured motorist coverageRight now, Florida law does not require all drivers to carry bodily injury liability coverage. As a result, good meaning Floridians who cannot afford proper bodily injury liability coverage simply do not purchase it which makes uninsured/underinsured motorist coverage so important. This coverage protects you in the event you or your family is injured in a car accident caused by a driver with no or little liability coverage. It is the most important insurance coverage you can have.


Both clients I recently had to close their case were injured. They missed time for work and incurred medical bills. Unfortunately, the person who hit each of them was in the 26.7% of uninsured drivers and my clients didn’t carry uninsured or underinsured motorist coverage. Consequently, they are personally responsible for all lost wages and medical bills not paid by PIP coverage.

Also, I recently met with a client who was severely injured in a car accident caused by another driver. My client had $100,000.00 in bodily injury (BI) coverage but rejected uninsured motorist coverage. In essence, he was protecting everyone but his family with $100,000 in liability insurance benefits. Unfortunately, the person who caused his car accident did not carry liability coverage. Thus, this client is left responsible for all unpaid medical expenses, lost wages and receives no compensation for his pain and suffering.

Check your insurance coverage today. If you don’t have uninsured motorist coverage, get it. If you cannot afford it, look into reducing your liability coverage and use those funds to purchase uninsured motorist coverage. Don’t realize how valuable this coverage is after a car accident, realize it now.

Stacked or Non-Stacked Uninsured Motorist Coverage

Now that you know that uninsured/underinsured motorist coverage is so important, the next question is whether you would buy stacked or non-stacked uninsured motorist coverage. The easy answer is get stacked uninsured motorist coverage. The difference between stacked and non-stacked uninsured motorist coverage is in how much you and your family are protected and in which situations you will be entitled to uninsured motorist coverage.

Non-Stacked Uninsured Motorist Insurance Coverage

If you purchase non-stacked uninsured motorist coverage, you simply buy the coverage that is stated on the policy. For example, if you have three cars on the policy and purchased $25,000.00 in non-stacked uninsured motorist coverage and are injured by a motorist who carried no or limited bodily injury liability coverage, the covered injured person is limited to $25,000.00 in uninsured/underinsured motorist coverage.

Stacked Uninsured Motorist Coverage

However, when a person purchases stacked uninsured motorist coverage, the coverage increases. Using the example above, if the policy carried $25,000.00 in stacked uninsured motorist coverage with the three vehicles on the policy, the injured person will be able to stack the coverage for each vehicle on the policy making them covered up to $75,000.00 in stacked uninsured/underinsured motorist coverage.

Protect yourself now by making sure you have uninsured motorist / underinsured motorist coverage. If you would like my office to review your automobile insurance coverage, we will be happy to do so at no cost.

Drive safely and watch out for those don’t!


attorney matthew noyesPersonal Injury Attorney Matthew Noyes represents those injured in car accidents, motorcycle crashes, bicycle accidents, pedestrian accidents and other types of personal injury matters. He is a named partner at the Tampa Bay law firm of Perenich Caulfield Avril Noyes – one of the oldest personal injury law firms in Pinellas County. Call Attorney Matthew Noyes now at 727-796-8282 or complete the form on this page or simply click here to schedule a free case consultation.

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