Florida's Frightening Uninsured Motorist Problem
According to a recent study, approximately one out of four of Florida's drivers is driving without proper insurance. Additionally, the Insurance Research Council (IRC) reports that nearly 23 percent of Florida's drivers are driving without insurance, which ranks Florida as having the fifth highest percentage of uninsured motorists in the nation. According to the findings released by the IRC, in 2007, New Mexico had the highest percentage of uninsured drivers coming in at 29 percent, followed by Mississippi at 28 percent, Alabama at 26 percent, and Oklahoma at 24 percent and Florida coming in fifth at 23 percent. The states that had the lowest percentage of uninsured drivers were Vermont with 6 percent, New York with 5 percent, North Dakota with 5 percent, Maine with 4 percent and the state with the lowest percentage of uninsured drivers was Massachusetts with just 1 percent.
While it's important for all drivers to have adequate levels of uninsured motorist coverage and underinsured motorist coverage, good drivers in states such as Florida with such a high percentage of uninsured drivers should pay particular attention to the policy limits of their own insurance policies. The Insurance Information Institute (I.I.I.) recommends that all drivers carry adequate amounts of uninsured and underinsured motorist coverage, that way they can protect themselves in the event they are involved in an accident with the other 23 percent of drivers on Florida's roadways.
What is uninsured motorist coverage? It is coverage that a driver gets from their own auto insurance policy and it applies to cases where the at-fault driver doesn't have adequate coverage or if they don't have liability coverage. If you were involved in an accident with an uninsured or underinsured driver, the coverage would pay for your injuries, as well as injuries to your family or anyone else that sustained injuries while in your vehicle.
Consult with a Board Certified Lawyer when considering your insurance needs and ALWAYS demand your agent or insurance company include stacked uninsured motorists coverage on your policy.