This is a very common question that we encounter in our practice. I’ve even heard of insurance agents who expressed the view that there is need uninsured motorist coverage on their people if they have auto insurance policy or health Medicare. The rationale seems to be that their medical bills after an accident are included. Unfortunately, this reasoning fails to take into account all the other benefits available uninsured motorist coverage to someone who has been seriously injured in an auto accident or to the estate of someone who has been killed.
The purpose of uninsured motorist coverage to compensate the insured for each of the elements of damage they would have been entitled to receive from the person who caused the accident, but did uninsured bodily injury, or very low limits of coverage. In Florida, the compensation would include: pain, suffering, disability, scarring, disfigurement, mental distress, loss of enjoyment of life, loss of earnings and earning capacity, as well as free medical costs incurred in the past, and those to be incurred in the future. Beyond being paid medical expenses, someone carries uninsured motorist coverage only, which was hit by an uninsured driver, receives no compensation for all the other elements of damage described above.
No one ever thinks they are in a serious motor vehicle accident. But every day throughout the state of Florida, hundreds of people are seriously injured were also believed it would never happen to them. Following a serious accident, the injured person will begin immediately to consider, which will make them compensate for the substantial losses incurred and those that will be incurred in the future. Losses such as pain, suffering, loss of enjoyment of life, as well as loss of earnings and earning capacity are encountered are very common in motor vehicle accidents are relatively normal. In the more serious accidents, each of these losses can be caused, especially those that involved the death of a loved one. People become angry and frustrated when they naturally have been hit by an uninsured driver, only to find their own policy of insurance does not include uninsured motorist coverage.
There is something else to think about carrying Medicare or health insurance only. If there is no liability coverage available to provide compensation injuries one, even though it may be woefully inadequate, Medicare and virtually every health insurance policy, reimbursement rights. federal statutes require reimbursement of benefits provided by Medicare and employer-sponsored health insurance plans when the injured person will receive compensation for their injuries. Most other health plans include reimbursement rights that are regulated under state law, including Florida. This means when someone’s health insurance or Medicare provides benefits to them after an accident, those benefits are subject to be paid back if the injured person was successfully sued even minimal the party responsible.
Thus, the only way someone can protect themselves is to carry uninsured motorist coverage maximum they can afford. We encourage our clients to examine their policy declaration sheet on their auto, decide what coverage they really have bought, and call their agent to get a quote for uninsured motorist coverage or uninsured motorist added.