When you purchase auto insurance, Florida law requires that the insurance agent have you select, in writing, whether or not you want to purchase UM/UIM coverage. You will be asked to sign a form similar to the attached. People usually have no clue as to what they’re signing what they are giving up if they select the box that I hereby reject UM/UIM coverage. This coverage is extremely important to have. In Florida, a vehicle can be registered with PIP and property damage liability insurance only. There is no requirement that bodily injury liability coverage be purchased. And on top of that, there is a high number of drivers which are flat out completely uninsured.

UM/UIM coverage steps into the shoes of every driver in the state of Florida. If you are struck by an uninsured or underinsured motorist, your UM/UIM coverage will step in and compensate you for the injuries caused by the at fault driver. Your UM/UIM policy will protect you against drivers who are completely uninsured and drivers who do not carry enough bodily injury coverage to compensate you for your injuries.

I have handled cases where the other driver was completely uninsured and my client had a great UM/UIM policy and was able to be fully compensated for injuries. I have also handled cases where the at fault driver had minimal bodily injury coverage of $10,000 yet my client had a $100,000 UM/UIM policy and thus was able to be fully compensated. I have also handled horrible cases where my client ended up with $300,000 in medical bills and the at fault party only had a $10,000 liability policy and no UM/UIM policy. My client would not be compensated at all and would end up owing thousands of dollars in bills.

My advice is spend the money and purchase stacked UM/UIM. When you have multiple cars, your stacked UM/UIM coverage is multiplied by the number of cars that you have on your policy.

If you have any questions about automobile insurance, I give free evaluations. Please feel free to call my office and when you come in, bring your policy declarations page so I can see what you have purchased.

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Riding a motorcycle is so much fun and especially in Florida’s great weather. You can move in and out of traffic easier than you can in a car, the wind is in your hair, you feel free and almost invincible because motorcycles are so quick to respond. I know this because I used to ride a motorcycle.

But it’s a fact that Florida leads the nation in motorcycle fatalities. Motorcyclists account for 19% of the state’s traffic fatalities. And even if the cyclist is not killed, the injuries can be devastating. A cyclist can use all the skill and caution in the world but if a driver decides to make a left turn into the side of your bike, there is very little you can do.

Take precautions by making sure that your headlights are working and wear a helmet, bright clothes and protective gear whenever you can.

If you do have a motorcycle accident, I understand the devastating loss you are experiencing and am available 24/7. I really do care about my clients and will visit you in the hospital or home without any obligation.

If you need an experienced personal injury attorney in Tampa, FL, contact Juana Maria Rojas today for a free case review.

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