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Beware of “Full Coverage” Automobile Insurance

Many of our Jacksonville personal injury clients think they have uninsured motorist insurance coverage because they were told they purchased “full coverage” from their insurance agent or broker. How the term “full coverage” has become so widespread is puzzling since there really is no such thing. A person can always have more insurance coverage. Its like saying someone has a “full” bank account.

Unfortunately, some injury victims only learn after suffering serious injury in a car accident that “full coverage” often means just the opposite: the absolute minimum coverage required by law, which does not include uninsured motorist coverage. Uninsured motorist coverage provides coverage for you in case you are injured in an automobile accident and the at-fault driver has either little or no bodily injury insurance coverage.

Far too often we meet with people who have suffered serious injuries in a car wreck, where the at-fault driver has no bodily injury coverage. In this circumstance, the person would be compensated by his or her own uninsured motorist coverage. Without uninsured motorist coverage, such a person will usually receive no compensation for his or her injuries, medical expenses and lost wages.

We believe that uninsured motorist coverage is even more important because often the worst drivers have no insurance. We find this to be especially true with respect to drunk drivers.
Because uninsured motorist coverage is not particularly expensive, we recommend that everyone consider carrying at least $100,000.00 in coverage.

If you have an uninsured motorist claim and would like one of our Jacksonville Injury Attorneys to provide you a free consultation, please contact us.