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What is Uninsured Motorist Insurance and Why it is SO Important in Florida


I am Mike Hancock with Hancock Injury Attorneys and I want to answer the question: “what is uninsured motorist coverage?

In Florida, uninsured motorist coverage, also include something known as underinsured Motorist coverage, and whether we’re talking about uninsured or underinsured essentially what that coverage is his coverage that you purchase to protect yourself and your family in case you are hit by someone who has no automobile insurance or not enough automobile insurance. In the situation where the other person who causes the accident has no car insurance that person is known as uninsured, where that person has some but not enough to pay for all of your injuries and damages then that person is known as underinsured.

There was a study that was done in Florida in 2015 that revealed 26.7% of all drivers on the road in Florida are completely uninsured, meaning they don’t have any insurance at all for their car.

So, what does uninsured or underinsured coverage pay for in Florida? What that coverage pays for is medical bills that aren’t paid for by your no-fault or PIP coverage, it pays for future medical expenses that you’re reasonably certain to incur, it pays for any lost wages that you’ve had, it pays for future loss of earning capacity, it is also responsible for paying for your pain your suffering your mental anguish your loss of enjoyment of life the inconvenience the disability and any scarring that you have as a result of an accident.

So that’s a brief explanation of uninsured motorist insurance coverage and what uninsured motorist insurance coverage pays for in Florida.

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Client Testimonials & Reviews

I have received nothing but the best service I can ask for from Mike Hancock’s office. He and his office are true professionals in every sense of the word. They guided me along the process and had outstanding communication. I am more than pleased with the services they provided, and I would definitely recommend them to anybody.

— Kayla Hamilton

From first to last interactions with attorneys Mike and Claire Hancock, to all the supporting staff and legals, the office has always been courteous, knowledgeable, and professional. They have always gotten right back with me when I had a question, and would not hesitate to highly recommend them.

—Debbie Smith

Absolutely fantastic! The Attorneys and its staff are very knowledgeable. Through my entire process they kept constant communication and the return of calls. I couldn't have made a better choice.Can’t say enough. Thank you, Mike and Gabby.

- L.C.

I want to express my thanks to you and your staff for handling my case. Your expertise and kindness in representing me was invaluable. Thank you so much for your professional and effective help. I won’t hesitate to recommend your firm to anyone who may need legal assistance

- J.M. of Tampa, Florida

I have no words to describe the wonderful experience that had been for me to do business with his legal firm . . . I really appreciate all the great effort that you guys put into my case.

- F.F. of Ocala, Florida

Heartfelt thanks to you for my check and for all your work for the extra check. I am so grateful to you. Appreciate everything very much! Special thoughts and prayers.

- So grateful to you

Thanks for the awesome service. You both did so much work on this and I appreciate it very much. This is a great outcome.

- P.Q. of Palatka, Florida

Mike and his team are awesome, emails are always responded back same day and the chiropractor recommendation was great. I was in a small fender bender but was always treated as if my case was worth a million dollars. I recommend his firm 1,000% you won't be disappointed.

- Chris

Your unwavering commitment to my family, and the love and compassion you have shown by your actions, and not just words, have had a dramatic, unforgettable impact on us all. Your kindness and level headedness in your representation has helped us be able to live a decent and stress-free life from here forward.

- P.M. of Brooksville, Florida

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