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Declining Uninsured Motorist Insurance Comes with Risks

lady justice

When a Saint Lucie or Martin County driver insures his or her vehicle, the State of Florida provides the driver with an option to add additional coverage such as uninsured motorist insurance (UM) coverage. While most drivers say yes to uninsured motorist insurance, many drivers opt out, even with the large number of uninsured drivers in Florida. Declining uninsured motorist insurance coverage is a bad idea, and is an idea that comes with risks.

Risks Associated with Declining Uninsured Motorists Insurance

The State of Florida does not require drivers to carry uninsured motorist coverage. When you consider the minimum requirement for car insurance, you will see that your insurance policy hardly provides you with any protection in the event you are in a car accident. The minimum requirement is as follows:

  • $10,000 for personal injury protection
  • $10,000 for property damage liability
  • $0 for bodily injury

So, if you’re cruising through the Treasure Coast with the minimum insurance requirements and receive personal injuries due to another driving hitting your vehicle in the rear, your insurance will not kick in to cover your medical bills. You risk covering the amount of medical bills yourself by paying out of pocket. Additional risks of not having UM insurance coverage includes:

  • Not being able to recover funds from lost wages and disability
  • Bearing the loss of future enjoyment of life
  • Recovering for pain and suffering is not an option

In the event the incident caused death, this is something you and your family must carry on your own.

So, What is UM Coverage?


UM coverage is an option to include within your insurance policy that protects you in case you are involved in an accident with someone who doesn’t have insurance or is underinsured. Meaning, they don’t carry enough coverage to cover the amount of the injuries.

There are two types of UM insurance coverage – stacked and non-stacked. The decision to stack or not stack is yours and must be made at the time of purchasing the UM coverage. Take some time to determine which type of UM coverage is best for you. Remember, you get what you pay for.

As an advocate for the people with a commitment to protecting the rights and interests of the members of Martin, Saint Lucie counties and other communities of the Treasure Coast, Sholtes Law works to explain this area of the law and make it easy for everyone to understand. Please contact us for any questions you have about UM insurance coverage.

When You Find Yourself in an Accident with an Uninsured Motorist, Contact Sholtes Law.

If you receive injuries from a car accident and the other driver is an uninsured motorist, contact Sholtes Law, PLLC. Attorney Sholtes is a well-versed Fort Pierce uninsured motorist accident lawyer serving St. Lucie & Martin County who will listen and make sure you understand the issues surrounding your case and develop a legal strategy designed to achieve real results for you. Call 855-534-2509 for a free consultation.

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