Car accidents can happen anywhere, at any time, to anyone. And a single car crash can change your life, resulting in painful physical injuries that require months (if not years) of expensive medical treatment, therapy, and even surgery. Even a relatively minor accident can cause permanent injuries that will affect you daily for the remainder of your life.
While you can obviously control how you drive, you can never control the other drivers on the road. Nor can you predict who might hit you or what insurance coverage they might (or might not) have in place. If you are hit while driving in Florida, there is a significant chance the offending driver carries no liability insurance. On national average, one in seven motorists carries no bodily injury liability coverage. In Florida, one in four motorists is entirely lacking bodily injury liability coverage. Even drivers who have bodily injury liability coverage often carry the minimal amount of $10,000.
There is one, very simple thing you can do to protect yourself from all of the uncertainty surrounding the potentially life-altering effects of a car accident. Purchase uninsured motorist coverage. By carrying this coverage, you are ensuring the availability of insurance benefits in the event you are struck by either an uninsured or underinsured motorist. Uninsured motorist coverage pays benefits for medical treatment, wage loss, pain and suffering, and loss of enjoyment of life. This coverage also provides benefits if you are hit while riding a bicycle or walking.
Given the huge benefit of having uninsured motorist coverage, it is rather inexpensive. In many cases, the coverage adds only a few dollars to your monthly car insurance payment. Take the time to protect yourself against the hazard of uninsured motorists, and call your insurance agent today. You can simply never know whether or when a car accident will change your life.