Why UM Coverage Is So Important

What is UM coverage and why is it so important?

UM coverage means uninsured or underinsured bodily injury motorist coverage and it is important for automobile accidents resulting in an injury. For instance, if you were rear ended by another vehicle while stopped at a red light and sustained bodily injuries, you could make a claim against the at fault person’s automobile bodily injury ( BI ) coverage for your damages which may include out of pocket medical expenses, wage loss and pain and suffering damages. This coverage may include out of pocket medical expenses, wage loss and pain and suffering damages.

But what would happen if the at fault driver did not carry any bodily injury coverage on their vehicle?

Because liability coverage is not generally mandatory in the state of Florida, it is estimated that as many as 25-30% of motor vehicles operated on the streets are uninsured for bodily injury insurance coverage. The at- fault driver’s automobile insurance company would deny the claim since their insured did not purchase any bodily injury coverage. You could try to recover your losses against the at- fault driver personally, but this would be difficult as many drivers do not have the financial resources to pay your claim out of their own pocket. However, in this instance if you had purchased uninsured motorist coverage you then could make a claim for your out of pocket medical expenses, wage loss and pain and suffering damages against your own automobile insurance company up to your UM coverage limits.

In the above scenario if the at- fault driver only carried $10,000 in bodily injury coverage but you had sustained damages greatly exceeding that amount then you could also make a claim under your underinsured motorist coverage for the additional damages beyond the bodily injury coverage limits.

As you can see it is very important that you purchase UM coverage on your automobile insurance policy to protect you and your family if you are injured by someone driving a vehicle not covered for bodily injury insurance or only carries a minimal amount of bodily injury coverage.

If you are injured by an uninsured or underinsured driver please call the Orlando car accident lawyersat The Umansky Law Firm today at 407-228-3838 for a free initial consultation.

Recent Criminal
Case Results

Grand Theft ($300-$5000)

Nolle Prosequi-Case Dropped

CT-Driving Under the Influence Car (M1)

Nolle Prosequi - Case Dropped

CT- Driving under the influence car

Nolle Prosequi - Case Dropped

Grand Theft Third Degree

Adjudicated Guilty; One day jail/one day time serve; Restitution fees; Court Cost

Petit Theft < 300

We negotiated an agreement that entailed the State dropping the charge after our client completed a Pre-Trial Diversion Program. The Charge was dropped via a Nolle Prosequi.

Unlawful Speeding

Withhold of Adjudication; No points on license; Paid fine and clerk cost; 8 hour aggressive driver class; 90 days to satisfy fine and class

Shoot/Throw Missile Into Dwell/Struct/Veh; Child Abuse; Criminal Mischief; Battery (Domestic Violence)

No Information Notice - Charges Dropped

Attach Tag/Lic Plate To Unassigned Vehicle (M2)

Nolle Prosequi - Case Dropped

DUI with Minor In Car or BAL of .20 or Higher

Pled No Contest, 1 Year Probation, 10 day Car Impound, Community Service

Motion to Modify Probation

Motion Granted in 48 hours

Petit Theft

Adjudication Withheld, 4 Months probation, Costs/Fines, Impulse Control Class

Petit Theft of $100 or MORE (M1)

Nolle Prosequi

Refuse To Submit To DUI Test (M1)

Case Dropped

Battery on Law Enforcement Officer (F3); Disorderly Conduct (M2)

Nolle Prosequi - Case Dropped


Charges Dropped

Scheme to Defraud(F3); Grand Theft(F3)

Motion to Terminate Probation Granted

Unlawful Speed


Failed to Yield at Intersection

Not Guilty

Leave Scene Of A Crash W/Property Damage (M2)

Case Dropped

Motion to Modify and Impose a Withhold of Adjudication


Attempted Burglary of a Conveyance

Charges dropped

Possession of Cannabis (less than 20 grams)

Charges dropped


Reduced to reckless driving

Possession of Alcohol Under the Age of 21

Charges dropped

Driving Under the Influence

Reduced to Reckless Driving

Violation of Probation

Case Dismissed

More Cases

Recent Personal
Injury Settlements


Scooter Accident


Car Accident


Car Accident


Government Liability Case


Back Injury

More Settlements