A lot of people in Florida think that their bodily injury insurance pays them money when they have bodily injury to their bodies. In fact, in Florida, bodily injury coverage pays others money when you cause an accident. It protects you by protecting your assets by providing a lawyer and a cushion of payment (up to your bodily injury limits) for anyone that sues you for injuries stemming from an accident. Uninsured motorist coverage pays YOU money when someone else causes an accident and does not have any insurance or have any bodily injury insurance. Underinsured motorist coverage pays you money when the at fault driver has some insurance but not enough. In that situation, your underinsured motorist coverage pays you money over and above the other person’s bodily injury limits.
