There are risks if you decline uninsured motorist coverage. If an uninsured motorist hits you and you have medical bills, then after your personal injury protection or PIP (which covers up to $10k), the other party will be personally responsible for your medical bills and other expenses.

Check out our Complete Guide to Florida Auto Insurance.

This can be a nightmare for the you. Many times, if a driver is uninsured, they likely don’t have the means to pay these large damages. This leaves you in a precarious position. Sometimes waiting on money that you may never see.

If you have uninsured motorist, your insurance company will pay for your expenses and their attorneys take care of litigating the at-fault party. If you decline uninsured motorist coverage, this is all on you.

The best bet is to take the uninsured motorist coverage and let your insurance company take care of everything for you while you recover from the accident.

Why do People Reject Uninsured Motorist Coverage in Bradenton and Sarasota?

You are allowed to reject uninsured motorist coverage in Florida. In many states, this would seem unfathomable because the coverage has so little impact on your premium.

Many people elect to forego uninsured motorist coverage because car insurance policies in Florida can be nearly unaffordable for some. In those cases, it’s not so much that uninsured motorist coverage itself is unaffordable, but people are desperate to get the coverage down in any way they can. So they start slashing every coverage not required by the state.

Is Uninsured Motorist Coverage Expensive in Bradenton, Parrish, Lakewood Ranch, and Sarasota?

Uninsured Motorist coverage is typically one of the more inexpensive parts of a Florida auto insurance policy. Rates vary per person, so it’s always best to get a quote with us and Seth can walk you through each part of the coverage to make sure you have the right fit for you.