The Importance of Uninsured Motorist Coverage

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Though you might find your auto insurance fees expensive as it is, every driver in Florida should have Uninsured Motorist Coverage as part of their package. If you need an accident attorney in Boca Raton, one of the first things your lawyer will do is check the specifics of the case and find out what your insurance covers. Most Florida drivers know that there is medical payments coverage under Personal Injury Protection known as PIP in every auto insurance plan, but what happens when medical bills go beyond what’s covered under PIP?

Healthcare prices have spiraled out of control and any quality injury lawyer in Boca Raton will tell you that PIP often does not cover the cost of an emergency room stay, especially now that recent changes in the law have reduced PIP medical payments coverage in most cases to only $2,500. Whether or not you choose the right car accident lawyer to take your case in Boca Raton, you need coverage to pay for medical expenses and other damages you’ve incurred.

Body injury liability coverage or BI coverage – which would cover your medical expenses and other damages when you get into an accident that is not your fault – is not required for most drivers! It might seem impossible that uninsured motorists are getting away with driving on Florida roads and causing accidents, but that is a fact of life. The only time the authorities can discover there is no insurance is following an accident. But it is too late then if you do have not Uninsured Motorist Coverage (known as UM) on your own insurance policy. This is just one of the many reasons why it is so important to have both the right insurance and the right representation – like a top accident attorney in Boca Raton to help you get justice.

A car accident lawyer views your case from an objective stand point and knows the intricacies of the law and how to give you the right protection you deserve. Before it comes to that point, you have to protect yourself by adding as much uninsured motorist coverage to your policy as you can comfortably afford. UM coverage protects you in the event that you are injured by an uninsured or underinsured driver who has inadequate body injury liability coverage which is simply not a requirement, leaving everyone vulnerable when taking to the road. The only way to stay protected is to get as much UM coverage for oneself as possible. We at Eltringham Law Group are experts at helping you overcome personal injuries.

For a free consultation please visit or contact us at 561.338.0420