Given that Florida operates under a No-Fault Insurance Law, many wonder why they need to carry Uninsured Motorist (UM) Coverage on their automobiles. The answer is simple — under Florida’s No-Fault Insurance Law, individuals injured in an auto accident are covered by their own insurance carrier only up to a maximum of $10,000 for medical expenses and lost wages, with any additional coverage typically coming from the at-fault party’s insurance carrier. It’s estimated, however, that 25% of Florida drivers may be uninsured or underinsured, and if you get hit by one of these drivers, no-fault benefits alone may not be enough to cover your medical expenses and lost wages. UM is designed to protect you in these circumstances, guaranteeing that you will have insurance coverage to pay for injuries and damages. If you ride a motorcycle, you have a greater chance of being underinsured because Florida’s No-Fault Law is not applicable to motorcycles.
Legally, it is not a requirement to carry Uninsured Motorist Coverage on your motorcycle (or vehicle) in the state of Florida. But the biggest risks to a motorcycle rider—no matter how safely you ride—is a vehicle that doesn’t see you and either turns in front of you, or slams into you from behind, causing a motorcycle accident that results in serious injuries and damages.
At Sinclair Law Offices, we represent clients in Motorcycle, Auto and Truck Accidents and we have seen numerous unfortunate situations where unsuspecting individuals thought they had “full coverage,” only to find out that they were considerably underinsured. A significant part of our practice is dedicated to educating consumers of the complex insurance issues in Florida and how to properly protect yourself should an accident occur. Sinclair Law Offices has over 75 years of combined experience in the insurance industry, and handling cases involving complex coverage issues.
Attorney Brad Sinclair, of Sinclair Law Offices, an avid motorcycle rider, an active Lifetime Member of ABATE (American Bikers Aiming Towards Education), and Motorcycle Accident Attorney offers a free, no-strings-attached review of your insurance policy. Don’t let this happen to you or your loved-ones. For more information call Sinclair Law Offices at 321.253.4200 or visit www.sinclairlaw.com. We have always and will always offer a free, no- strings-attached review of your insurance policies.
Sinclair Law Offices focuses in Motorcycle Accidents, Auto Accidents, Truck Accidents and Personal Injury. The firm was founded in 1995 and is headquartered in Melbourne, Florida, at 5465 N. Highway 1. Attorney Brad Sinclair is licensed to practice law in Florida since 1984. He can be contacted at 321.253.4200 or toll free at 888.722.1974. Additional information about Sinclair Law Offices may be obtained from the firm’s website at www.sinclairlaw.com.