Self Insured Car Insurance Florida

Wednesday, March 15, 2023

Driving in Florida presents its own unique set of challenges. Aggressive drivers, congested traffic and the fact that Florida has consistently ranked within the top five states for the highest number of uninsured drivers all contribute to the need for Florida car owners to purchase uninsured motorist insurance.

The Benefits of Uninsured Motorist Insurance

Considering the prevalence of uninsured motorists, having uninsured motorist coverage can provide many benefits. It can protect and reimburse you for medical expenses and lost wages if you’re injured by an uninsured driver. It can also give you additional protection in the event that you have an accident when you’re riding in someone else’s vehicle. Depending on the terms of the policy, it can also help with repairs to your vehicle and even provide you with a replacement vehicle while yours is in the shop.

Sketch of a blue car with its side mirror damaged

Affordable Coverage For Florida Car Owners

The majority of insurance carriers provide uninsured motorist coverage, oftentimes the extra coverage can be added to your existing policy for a low monthly fee. Shopping around can also be beneficial, as some companies may offer lower rates than others. However, even if you find a good deal, it's important to know exactly what is covered as well as what your deductibles are.

Insurance quote for a red Toyota Tacoma truck

It's also important to understand the implications of having or not having uninsured motorist coverage. If you choose not to have this type of coverage and you're involved in an accident with an uninsured motorist, the odds of you making a full recovery for your damages are significantly lower than if you were covered for uninsured motorist coverage.

In the end, the decision is yours. However, investing in the extra protection of uninsured motorist insurance can give you peace of mind and may even save you from financial ruin if you’re involved in an accident with an uninsured driver.

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