Please Note: This video features the late Paul Cavonis, who passed away in 2025. Paul was a cherished member of our firm and left behind an enduring legacy of service, integrity, and compassion. With more than 30 years of experience, he was not only a skilled attorney but also a dedicated educator who created these instructional videos to help clients understand their cases, set expectations, and navigate the legal process. We continue to share his resources in his honor and for the benefit of those he served. The experienced team Paul helped build remains in place, committed to providing the same trusted guidance and personal care he was known for.
What is uninsured/underinsured motorist coverage in Florida?
Uninsured/underinsured motorist (UM/UIM) coverage is designed to provide additional coverage in the event that you are involved in an accident with a driver that does not have any or enough liability coverage for your injuries. UM/UIM can also be applied in the event that you are hit by a driver that flees the scene of the accident. In general, UM/UIM covers what you would have received from the at fault driver’s insurance company, had the appropriate coverage been available. This would include but is not limited to medical expenses, lost wages, pain and suffering, etc.
Why is it important to have UM/UIM coverage in Florida?
UM/UIM is especially important to have in the state of Florida because drivers are not required to purchase bodily injury (BI) coverage. There is a common misconception that UM/UIM coverage pays for the injuries and/or vehicle damage of the uninsured motorist. UM/UIM covers the policyholder, other drivers listed on the policy and passengers in the policy holder’s vehicle. Contact us for a free automobile insurance review to ensure you have sufficient coverage.