What is the Best Kind of Auto Insurance to Buy in Florida?

Florida has among the highest uninsured motorist rates in the country. It is estimated that nearly 1 in 4 Florida drivers are driving without car insurance. It is a scary statistic, but highlights the importance of Florida drivers carrying what is called uninsured motorist (UM) coverage.  Uninsured motorist coverage takes the place of liability coverage for the at-fault driver if he or she is uninsured or under-insured.  This coverage applies when:

  • the other driver is at-fault for the accident;
  • the other driver is uninsured or under-insured;
  • you are the victim of a hit-and-run.

UM will pay for medical bills, lost wages and pain and suffering and for injuries sustained by both the insured and any family member.  Florida drivers have the option to “stack” UM coverage. This means you can add one vehicle’s coverage on top of another vehicle’s coverage to increase the total insurance payout if you are involved in an accident with an uninsured (or under-insured) motorist.

For example, if you have two vehicles insured under the same policy, each with $50,000 per person / $100,000 per accident UM coverage limits.  With stacked coverage you can combine the UM limits from the two cars, which will now give you $100,000 per person / $200,000 per accident.

Some states require that drivers carry UM coverage, but Florida does not.  Because of this, many drivers feel that it is not important.  Not having this coverage can a costly mistake in Florida.  Many come to find this out after being involved in a serious car accident.

As a personal injury auto accident attorney in Miami, I have learned that insurance companies (yes, even your own) are always looking for some way to get out of making payments to the injured.  Our Miami car accident lawyers believe that UM coverage is the most important and valuable auto insurance one can purchase to protect themselves and their families in the event of a car, truck, motorcycle, bicycle or pedestrian traffic accident.


If you have been injured in a motor vehicle accident in Florida it is very important to consult with an experienced personal injury attorney.  Spencer Aronfeld is a Board Certified Trial Lawyer, and he and the lawyers at Aronfeld Trial Lawyers understand Florida’s complex personal injury laws and since 1991 we have fought hard to protect the legal rights of the injured and their families- and hold auto insurers like State Farm, Allstate, Progressive, GEICO and others accountable for the pain and suffering, medical expenses, lost wages and other damages suffered by our clients.

Contact us today and speak with an experienced Miami personal injury attorney toll free 1-866-597-4529, local 305-441-0440, or by email.  We offer a free initial consultation at your home, office, hotel or hospital.  Call us today, we are ready to help.