MCF

Florida has the highest percentage of uninsured drivers in the entire country – an astonishing 26.7%. Driving without insurance is illegal, but according to a 2021 report from the Insurance Research Council, about one in eight drivers is uninsured. Getting into an accident with someone who doesn’t have car insurance or doesn’t have enough to cover your damages, can mean you’re left with a hefty bill. Thankfully, there’s something that can protect you in these situations: Uninsured Motorist Coverage (UMC).

Uninsured Motorist Coverage is a special type of car insurance that can pay for medical bills and other expenses if you’re in a car accident with an uninsured or underinsured person. UMC isn’t just for you as the driver, though. It can also cover passengers in your car. This type of policy is helpful if someone hits you and you don’t get to collect their information or their insurance company denies coverage. 

Why opt for UMC if you already have health insurance?
Uninsured Motorist Coverage is not legally required in Florida. However, since Florida has the largest percentage of uninsured drivers, it provides extra protection and peace of mind. UMC can cover: 

• Compensation for lost wages 
• Pain and suffering compensation
• Funeral expenses
• Car damage (where applicable) 

As an independent insurance agency, we at Massey, Clark, Fischer do a good, honest job for our clients. We don’t chase commissions. We specialize in you, the business owner. Serving clients since 1958, we work with more than 70 different carriers, so you’re sure to get the customized solutions you need. We have the education, training and experience to advise you on the best options for your business and your family.

If you’re thinking of adding Uninsured Motorist Coverage to your policy, there’s no time like the present. At Massey, Clark, Fischer, we can help you set up or update your policy so you’re protected in case of an emergency. Contact us today for a free consultation.