08/24/2026
What happens if you’re seriously injured in an accident—and the at-fault driver doesn’t have enough insurance to cover your injuries?
That’s where Uninsured/Underinsured Motorist Coverage, often called UM/UIM coverage, may help.
UM coverage applies when the at-fault driver has no insurance. UIM coverage applies when the driver has insurance, but their limits are too low to cover your injuries. Depending on the policy, this coverage may help with medical expenses, lost wages, pain and suffering, permanent disability, and other injury-related costs.
This is especially important to understand in Florida.
Florida’s no-fault system means your Personal Injury Protection, or PIP, helps pay initial medical expenses regardless of who caused the accident. However, PIP provides up to $10,000 in medical benefits, does not cover pain and suffering, and may not fully address serious injuries or long-term care.
Before assuming you’re fully protected, ask:
✔ Do I have UM/UIM coverage?
✔ What are my current limits?
✔ Is my coverage stacked or non-stacked?
✔ How would my coverage apply if I’m injured while walking, biking, or riding in someone else’s vehicle?
A few minutes reviewing your auto policy today can help you better understand how you’re protected on Florida’s roads.
Read the full blog:
Uninsured Motorist Coverage: Essential Protection in Florida: https://briergrievesinsurance.com/blog/uninsured-motorist-coverage-essential-protection-in-florida/
Let’s talk.
Contact Brier Grieves Insurance | 813-876-4166