Ensuring Adequate Car Insurance Coverage for Your Holiday Car Gift

Mrs. López and all of the Staff that had helped us it has been an absolute pleasure. They always had an answer to our questions and treated us with respect but most of all they listened.

Alondra O.

Outstanding Attorneys and Legal Team. Lopez, Justin, and Daisy were quick to answer my questions and handled my accident case with speed and courtesy. The outcome was much better than I anticipated.

Robert R.

A huge thanks to your office for such a great experience with my case. Special thanks to Denora, Carmen, and especially Kevin for answering my many calls and questions and keeping me informed through the entire process. I’m am extremely happy and grateful with the outcome.

Kathy W.
December 20, 2023

With the holiday season fast approaching, the joy of gifting a new car is often on the minds of many. If you plan on giving someone you love a car, it is a good idea to also provide the best car insurance. Specifically, we recommend getting underinsured and uninsured car insurance on this thoughtful gift.

The Risk on Florida Roads

Florida’s highways, bustling with increasing traffic due to a growing population, unfortunately, see a higher number of underinsured and uninsured drivers. This reality underscores the need for Florida drivers to have protection against others on the road who may lack sufficient or any insurance coverage.

Understanding Underinsured Motorist (UIM) Coverage in Florida

Florida law requires drivers to have a minimum level of insurance. This means that drivers following the law may fall short of covering the total costs of an accident. That’s where underinsured motorist coverage could come into play. This type of insurance can help to cover the costs in an accident that the other driver’s insurance doesn’t pay for. It can protect not only the car but also the safety and health of the person you’re giving the car to.

The Necessity of Uninsured (UM) Motorist Coverage

Uninsured Motorist Coverage is important for accidents involving a driver without insurance. It can help pay for your medical bills, lost money if you can’t work, and other costs from the accident. This way, you should not have to worry about the money problems an accident can cause.

The Impact on Personal Injury Cases

Whether you have these insurance coverages or not can impact personal injury cases. Without enough coverage, paying medical bills or losing income can be tough if you’re injured by a driver who doesn’t have proper insurance. These coverages can act like a financial safety net, providing monetary help and making your recovery process smoother.

The Gift of Peace of Mind 

When considering the gift of a car this holiday season, remember that the best gifts are accompanied by protective measures. Providing both underinsured and uninsured motorist coverage in your insurance package can provide more than financial security; it’s gifting peace of mind.

Are you or someone you love looking for assistance after an accident with an underinsured motorist? Contact us at Lopez & Humphries for a free consultation. Our decades of experience handling personal injury claims resulting from car accidents in Florida make us your ideal partner in navigating these complex cases.


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