WHAT IS UNINSURANCE /UNDERINSURANCE MOTORIST COVERAGE?
Sometimes the atfault party does not have BI coverage or does not have enough BI coverage. If this occurs, a person may bring a claim against his own UM carrier. Under Florida law, whenever a person purchases bodily injury (BI) liability coverage, the person’s insurance company must offer to them uninsured/underinsured motorist (UM/UIM) coverage in an amount equal to the amount of bodily injury liability coverage or, in the alternative, the insurance company must obtain a knowing signed rejection of UM coverage and/or election of lower UM coverage than the amount of bodily injury liability coverage. UM/UIM coverage is probably one of the most important automobile insurance coverages that a person can purchase in Florida. UM/UIM coverage allows every person who owns a motor vehicle to protect themselves when involved in a motor vehicle accident caused by the negligence of an uninsured and/or underinsured motorist. UM/UIM coverage permits the injured person to make their personal injury
