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Weighing the Pros and Cons of Obtaining Uninsured Motorist Coverage in Fort Pierce


We live in a state where we have the option to choose or decline uninsured motorist coverage. In fact, the Insurance Information Institute tells us that one in eight drivers were uninsured according to a 2017 study by the Insurance Research Council.  Although uninsured motorist coverage is an important coverage, many people opt out of it each day. Although declining uninsured motorists coverage comes with risks, we will weigh the pros and cons of uninsured motorist coverage so you can decide whether the coverage is best for you.

The Pros of Obtaining Uninsured Motorist (UM) Coverage

As you already know, uninsured motorist (UM) coverage is an additional layer of protection to include within your insurance policy.

UM coverage will protect you in the event you are in an accident with someone that does not have insurance or doesn’t carry enough insurance to cover the expenses from the injuries stemming from the car accident. UM can pay for the following:

  • Lost wages from time off work
  • Pain and suffering
  • Present and future medical expenses
  • Death
  • A portion of medical bills
  • Loss of the future enjoyment of life

When you purchase UM coverage, you have the ability to do what is known as stacking. With stacked UM coverage, you can combine coverage for more than one vehicle. This coverage will protect you while riding in any vehicle, while riding a bicycle, and even walking along the street.

As you can see, having UM coverage can be a great way to be prepared for a car accident.

The Cons of Obtaining Uninsured Motorist (UM) Coverage

The cons of obtaining UM coverage is a higher monthly premium for your insurance. This is the only con of UM coverage.

Consider the minimum insurance requirements, for example. The minimum requirement is as follows:

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

The $10,000 for personal injury and $10,000 for property damage is not enough to cover the damages in a car accident. What about the medical bills? What about the money you will miss from taking time off of work to heal and recover from the accident?

You have to think about whether you want to pay more upfront to receive better protection in the end or face financial difficulty in the end.

Without UM coverage, you would either use some other form of protection or pay out of pocket for the expenses you incur as a result of the accident.

For Help with Your Uninsured Motorists Accident in Fort Pierce, St. Lucie and Martin County, Call Andrew Sholtes.

If you’re the victim of a car accident involving an uninsured motorist, contact Andrew Sholtes, a Fort Pierce car accident lawyer serving St. Lucie & Martin County. The legal advice and representation you choose for your UM claim can be the difference between recovery and no recovery at all. Attorney Sholtes works hard to protect the interests of the Martin and Saint Lucie County community and will begin working on your uninsured motorist accident case right away. Contact Sholtes Law, PLLC now at 855-534-2509 or contact us online for a free case analysis.



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