Uninsured Motorists Bodily Injury or UM is described by some as one of the most important car insurance coverages you can carry.

One reason for this in the State of Florida? The expiration of the no-fault Personal Injury Protection law in 2007. No-fault personal injury protection may no longer be part of your options with Florida auto insurance, but UM coverage can fill the gap.

Uninsured Motorists Bodily Injury coverage pays for injuries caused by an uninsured driver or in the event of a hit-and-run accident.

If your accident results in medical costs, Uninsured Motorists Bodily Injury coverage pays up to the amount of the coverage you specify–which is why many Florida auto insurance agents recommend carrying as much as you can reasonably afford.

That said, it is very important to check your auto insurance policy and compare it to your personal health insurance. Make sure you are not duplicating coverage. Auto insurance laws and policy regulations are specifically designed to prevent “double dipping” and you should not expect to collect insurance money from two companies for the same hospital bills. Examine all policies carefully and make sure you are covered but not paying twice. Read more »