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What does Uninsured/Underinsured Motorist (UM) Coverage pay for?

April 26, 2017coverage motorist pay UM underinsured uninsured

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What does Uninsured/Underinsured Motorist (UM) Coverage pay for?

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Uninsured/Underinsured Motorist (UM) Coverage pays for “accidental” bodily injury, sickness, or disease, including death, when an insured sustains such injury as the result of an automobile accident and the legally obligated party does not have Bodily Injury Coverage, or does not have sufficient limits to satisfy the injury claim. This includes both economic (actual medical bills and other out of pocket expenses) as well as non-economic (pain and suffering) damages. Reference: Florida Statute 627.