Uninsured or underinsured motorist coverage is one of the options when you are selecting car insurance coverage. Many people are confused about what this is, what it covers, whether they need it, and, if so, how much coverage they may need. This blog post will shed some light on these questions.

What is Uninsured Motorist Insurance and What Does It Cover?

Uninsured or underinsured motorist coverage (“UM”) is insurance that you purchase, which will protect you if you are involved in a crash in which the at fault driver does not have bodily injury insurance (“BI”), or his BI coverage is not enough to cover your damages. For example, let’s say you are rear-ended at a stop light by a driver who was simply not paying attention. That crash would be the other driver’s fault. If you are injured your personal injury protection insurance (“PIP”) will pay the first portion of your medical bills, lost wages, etc. But if your damages exceed your PIP coverage, you will need to have those damages covered by the other driver’s BI coverage. If the other driver was not carrying BI, you may be stuck covering the rest of those damages yourself, unless you have UM. If the other driver did not have BI and you have purchased UM coverage, you could make a claim under your own UM coverage for medical bills, lost wages, and other out of pocket expenses related to the crash, up to your UM policy limits.

The same thing happens if the other driver has some BI coverage, but it is not enough to cover your damages. For example, if you suffered a back injury as a result of the crash and needed to have surgery, your damages could be very high. In that case, even if the at fault driver was carrying a $10,000 BI policy, it would not be enough to cover your damages. As in the last example, you could be stuck covering anything over the $10,000 coverage limit yourself; however, if you have UM coverage, you could make a claim to your UM policy for the amounts in excess of the amounts covered by your PIP and the at fault driver’s BI, up to your UM policy limits.

Do I Need Uninsured Motorist Coverage?

In short, yes.  As described above, UM coverage protects you if you are in a crash caused by a driver who does not have sufficient insurance coverage. Unfortunately, many Florida drivers drive without BI coverage as it is not required in Florida except in certain circumstances. This can mean that you are left to cover much of your own damages despite the fact that the crash was someone else’s fault.

How Much Uninsured Motorist Coverage Do I Need?

This is a personal decision, but we typically recommend at least $100,000 in UM coverage and also recommend stacking the UM coverage. This means that if you have more that one vehicle on your policy, you can essentially double (or triple, quadruple, etc. depending on the number of vehicles on the policy) your UM coverage in the event of a crash. The other option is unstacked coverage, which would mean that you have access to the policy limit you chose with no chance of multiplying that coverage. UM coverage typically adds only a small amount to your insurance premium and provides huge protection in the event of a crash.

An example of a situation in which UM coverage might be hugely important is when a four-person family is involved in a serious collision that requires surgeries. The medical costs alone could easily be in the high six figures. Without sufficient UM coverage, it is possible that the family could face financial ruin. Stacked UM coverage can be an important tool for protecting your family from financial disaster in the event of a collision.

How Do I Make a Claim Against My Uninsured Motorist Coverage?

If you are involved in a crash, you need to make sure you follow all the appropriate steps to protect your right to make a claim under your UM policy. If the at fault driver has some BI coverage, you need to make sure you are considering the requirements of your UM policy when you settle with the driver’s BI coverage provider. Before settling a personal injury claim resulting from a car crash, it is important to consult with an experienced personal injury attorney. Here at Thoele | Drach our consultations are free, and we do not get paid unless we recover compensation for your injuries. We would welcome the opportunity to discuss your case and how the various insurance policies come into play with you.


After you have been in a car crash, you may be shaken up or in shock.  This may be in the case even if the crash seems relatively minor.  Following are 9 steps you can take to protect yourself and your interests after a car crash.

  1. Stop your car safely. You should never, ever leave the scene of a crash.  When stopping, make sure you are stopped in a safe area, and look carefully at traffic and the other vehicles involved in the crash before you exit your vehicle.
  2. Take pictures. Once you are safely stopped, you should take pictures of the crash scene.  Make sure you have pictures of all vehicles involved in order to preserve the record of what happened at the time of the crash.  Your memory and the memories of any witnesses may erode over time, so it is important to have photographic evidence of the crash.  If you can, take pictures of the vehicles as they were at the time of the crash, before moving them off the roadway.  Additionally, make sure to take photographs of any visible injuries you may have.
  3. Talk to witnesses. If there are any witnesses, get their name and contact information.  Those witnesses may be very important later.
  4. Call the police. You should always call the police, even if you don’t think there are any serious injuries involved.  It is best to have a crash report.  The police will also collect contact information from each person involved in the crash, including insurance information.  Be truthful when speaking to the police.  Tell the officers exactly what happened to the best of your knowledge.  If you do not know the answer to a specific question, it is ok to tell the officer you don’t know.  Do not speculate or embellish the facts.  Make sure that you do not admit any fault for the crash.  If you are asked if you are injured and you are unsure, you should say that you are unsure.  Often, injuries and pain caused by a car crash will not show up until hours later.
  5. Exchange information. You should always exchange names, contact information, and insurance information with everyone involved in a crash.  Typically, the police will gather this information, but if, for some reason, the police do not respond, you should do so yourself.  Make sure you have information for each driver and passenger involved.
  6. Seek medical attention. As mentioned above, injuries from car crashes are not always immediately apparent.  The pain my not show up until a day or two after the crash.  Unless you are sure you are not injured, it is best to seek immediate medical attention at your local emergency room, an urgent care clinic, or your primary care physician.  You can sustain serious injuries, even from a minor impact.  It is also important to be seen quickly so that you have access to your PIP (or personal injury protection) benefits.  Your car insurance will pay for a certain portion of your medical expenses, but in order to claim these benefits you must be seen within 14 days of your crash.
  7. Report the crash to your insurance company. You will want to report the crash to your insurance as soon as possible following the crash, but it is best to wait until after you have retained an attorney to assist you with your case.  If you do contact your insurance company to report your crash before you have retained an attorney, do not give any recorded statements to the insurance company until you have retained a personal injury attorney.
  8. Do not take any money from anyone. You may be contacted by the at-fault party’s insurance company following the crash.  The insurance company may offer you some money at this time for your injuries.  If this happens, do not take the money, and do not give any type of statement to the insurance company.  If you have already retained a personal injury attorney, give the insurance company your attorney’s information and ask them not to contact you directly again.  If you have not yet retained a personal injury attorney, tell the insurance company that you do not wish to speak to them until you have hired an attorney.  In no case should you accept money from the insurance company before talking with your personal injury attorney. 
  9. Retain an attorney. It is important to retain an experienced personal injury attorney, such as those at Thoele | Drach as soon as possible after your crash to protect your interests.  We will be able to help you speak to your insurance company and any other parties involved in your case with your best interests in mind.  While you are focusing on treating your injuries and healing, we can focus on ensuring that your rights are protected.  Most personal injury attorneys, including Thoele | Drach offer a free consultation and work on a contingency basis, meaning there is no legal fee unless we recover compensation for your injuries.