What are the limits on the ability to collect under an uninsured/underinsured motorist provision in Florida?
In Florida, to drive a car, you only have to have no-fault insurance that pays your own medical bills up to $10,000 and property damage insurance, so if you hit somebody’s bumper or somebody’s mailbox you get paid for. You don’t have to have liability insurance which covers you if you hurt, injure or kill someone.
You got a lot of uninsured drivers running around out there. How do you protect yourself? You buy what’s called uninsured/under-insured motorist coverage. We call it UM. That stands in the shoes of the at-fault party. The limits on the availability to collect upon that are determined by the limits of insurance that you buy. Our advise is to buy as much uninsured motorist coverage as you can afford. Certainly, no less than $100,000 to protect you against uninsured drivers.