What Are Underinsured and Uninsured Motorist Coverage?

Today, Kissimmee car accident lawyer, Michelle Incandela explains uninsured or underinsured motorist (UM) coverage and its importance. 

What is Uninsured Motorist Coverage? 

Uninsured/underinsured motorist coverage, if purchased as part of your policy, can help you recover for your injuries if the at-fault driver does not have insurance or carry bodily injury coverage.  In Florida, bodily injury coverage is not required. 

Following an accident, you would first look to the at-fault party’s insurance to make a claim for the injuries you sustained.  If the other driver does not have this bodily injury coverage, you can then make a claim to your insurance company through the UM coverage portion of your policy, seeking to recover for your injuries sustained. 

When is Uninsured Motorist Coverage Helpful? 

UM coverage can also be extremely beneficial when a motorist causes an accident and leaves the scene.  It may also apply you are riding in a vehicle and neither party has bodily injury coverage.  As you can see, it is very important to explore UM coverage under your policy, and it should be added if you do not already have it.  Watch the video to learn more. 


If you have additional questions regarding uninsured or underinsured motorist coverage, call the experienced Kissimmee car accident lawyers of Draper Law Offices at (407) 846-0075.  I welcome your call.  Visit our educational website, where you can view more videos and media content from our law firm. 


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Draper Law Office

Offices in Kissimmee, Orlando and St. Cloud


(407) 846-0075


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I was referred to Draper Law by my father in-law after being hit from behind in an auto accident. I didn't realize, at the time, what an important decision I was making by hiring a personal injury attorney to represent me. Charles Draper took the time to explain the process and what I could expect. His professional team was there for me every step of the way through a long, and often complicated, legal experience. I just want to express my sincerest gratitude for all the efforts that were taken by Charlie and his team on my behalf in obtaining a settlement on my case.