Although it is true that other areas of the Florida seem to have an excessive number of drivers who fail to carry bodily injury liability insurance, the Jacksonville area has its share of uninsured and underinsured driver when it comes to liability insurance. That represents a real danger on the road. It’s bad enough to be in an accident that’s not your fault, it’s doubly bad when the at-fault driver doesn’t have insurance to cover the injuries they cause.
That’s one reason Wayne Hogan of Terrell Hogan appeared on WJCT’s First Coast Connect program, hosted by Melissa Ross, to discuss the importance of Uninsured Motorist Coverage (UM). Hogan and an insurance company executive were interviewed and took callers’ questions to discuss UM, and other aspects of car insurance policies in Florida. When Hogan noted the need for uninsured motorist coverage, the insurance company representative agreed on its importance. He also agreed with Hogan on the fact that UM is relatively inexpensive. This is particularly true when you consider the piece of mind and the protection UM provides against negligent drivers; it acts as a safety net and kicks in after you’ve been injured in a car accident caused by an uninsured or underinsured driver and pays bills, disability, lost wages and pain and suffering when an at-fault driver doesn’t have enough insurance to cover your losses. (The full interview can be heard by clicking the “play” arrow in the box below.)
With nearly one in four drivers without auto insurance and 645 crashes a day in Florida, UM is crucial to protecting your family. This previous article authored by Hogan provides more information.
Wayne Hogan is a Florida and National board certified trial lawyer and president of the Terrell Hogan personal injury and wrongful death law firm.