Like most consumers in the US, you probably work very hard for your money and enjoy having a little bit left over each month to enjoy; however, there are essential life expenses that you must be continually responsible for too, and sometimes they can take a big bite out of the budget. Insurance is undeniably one of those expenses, not to mention the cost of purchasing and maintaining a car. The bottom line is that having a vehicle to drive can be both complicated and expensive, navigating traffic—and navigating saving enough each month out of your paycheck to cover everything.
The key, however, is not to lose your shirt over that new or used car if it is damaged in an accident, or if you are injured, or passengers are hurt. Keep in mind that if you have a little fender bender, there may be little to worry about, but even a minor collision could result in the need for new parts or a new paint job and be quite costly. A major crash could result in the car being totaled—and typical accident injuries may include head or neck injuries, broken bones, soft tissue damage, or more.
While car insurance is easy enough to procure and might be completed with one phone call or even just an online chat these days, there are many details that you should understand about what you are—or are not—purchasing. You can just ask for the bare minimum in terms of a policy but understand what the risk is if you do not add extra coverage for something like UM protection.
While underinsured or uninsured motorist coverage is not required in Florida, there are many reasons to purchase it—and they are all centered around your financial protection. UM coverage is usually inexpensive to add to your policy and saves you in the event of an accident with someone else who does not have coverage. It isn’t hard to understand why you want to avoid that type of risk, and especially if it won’t break the bank when you purchase your policy. UM coverage also pays for injuries you may have sustained that would not be covered otherwise.
We’ve helped victims from Bradenton, Sarasota, and all over Florida get compensation for their damages and medical expenses after car accidents. Call us for a free consultation now at 941-748-2916 or contact us online. We are here to help!
All blogs are written on behalf of Heintz & Becker for informational purposes. These articles should not, however, be considered legal advice, or in any way responsible for creating an attorney/client relationship.