One of seven American drivers has no automobile insurance, and that number is nearly one in four in Florida. With that many uninsured drivers on the road, it’s essential to have Uninsured/Underinsured Motorist coverage.

An Uninsured Motorist policy covers you and your passengers for injuries, damages or death caused by an uninsured or hit-and-run driver, while Underinsured Motorist coverage protects you if you are hit by a driver who has less coverage than the amount of your claim. The policies also can cover you if you’re a pedestrian struck by a car, and protect you and your family members traveling in other cars.

Uninsured/Underinsured Motorist coverage is not required by Florida law, but it’s as important as Bodily Injury Liability insurance. It’s relatively inexpensive and will help cover costs your health insurance won’t. Purchasing the minimum amounts won’t cover your expenses if you’re involved in a serious accident. If you carry Bodily Injury Liability insurance for $100,000/$300,000, do the same for yourself.

Under Florida law, if you choose Uninsured/Underinsured Motorist coverage, your insurance agent must offer you “stacking” coverage. This allows you to combine the coverage limits on each of your vehicles. Stacking coverage costs slightly more, but offers financial benefits when you need them most.

You can earn discounts for having more than one policy with our agency, insuring multiple vehicles, being a good driver, passing an approved defensive driving class, and having safety equipment such as air bags and anti-lock brake systems.

Call Accredited Risk Advisor Elizabeth Woolridge, Lane Insurance, at (386) 734-0800 for advice on Uninsured/Underinsured Motorist coverage. You can’t afford to drive without it.