What Does “Full Insurance Coverage” Actually Mean? Why you NEED UM Coverage in Florida


Hi, I’m Mike Hancock with Hancock Injury Attorneys and today I want to give you some advice on car insurance and, more specifically, advice on what it means to have full coverage in Florida. In Florida, all you’re legally required to have is your no-fault or PIP coverage and property damage liability coverage. That’s it, and that’s far from full coverage.

What I consider to be full coverage is this: you have to have your PIP, you have to have your property damage liability, but then to have full coverage, you also need to have bodily injury liability coverage, collision coverage, comprehensive coverage, rental car reimbursement, and, most importantly, you need to have uninsured motorist coverage. Because, in Florida, the statistics show that at least 25% of everybody driving on the roadways are completely uninsured. So, uninsured motorist coverage is the most important coverage you can have in addition to your PIP and property damage liability.

And, you can watch some of our other videos that give you a better explanation of all the benefits of uninsured motorist coverage. I’m Mike Hancock with Hancock Injury Attorneys, and if you need some more information or want to watch more videos regarding uninsured motorists or any other aspect of your insurance coverage, go to our website www. Hancock Injury Attorneys .com.