The one thing that unites all human beings, regardless of age, gender, religion, or ethnic background, is that we all believe we are above-average drivers. Dave Barry, Humorist
For the sake of argument, let’s say you actually are an above-average driver. You wear your seatbelt, you obey speed limits, you avoid hazards, you use caution in construction zones, you don’t follow other vehicles too closely, and you certainly don’t text and drive. You’ve been responsible with everything you can. But the one thing you can’t control is the most dangerous thing on the road — other drivers.
The next time you’re stopped at an intersection, take a look around at the other vehicles around you. Look at the vehicle across from you, approaching from the left, from the right, behind you, and in the lane beside you. Of the six vehicles, statistically speaking, the majority are underinsured (very limited liability coverage) and at least one of them would be completely uninsured (no coverage at all). This means if any one of those vehicles were to collide into yours, not only would your life be endangered, your vehicle damaged, and your body potentially injured, you would likely have to foot the bill.
Uninsured Motorist Coverage
This is such an important issue in the state of Florida that insurance providers are required by law to offer Uninsured Motorist (UM) policies to their customers. We highly recommend you take them up on that offer with as much additional coverage as you can afford. A good UM policy is designed to cover you when the accident-causing party is poorly insured, has no coverage at all, or cannot be identified (ie. a hit and run). The UM coverage you get can protect you and your passengers for any injuries that occur as a result of an accident with an uninsured driver.