Underinsured and uninsured motorist coverage protects drivers when the other driver either doesn’t have enough auto insurance or none at all. These are important coverages to have. according to Michael Seelie, a board certified trial attorney in Jacksonville Florida who specializes in auto accident cases.
“I have had to tell people, that have had severe injuries, that there was no coverage for their injuries. You can buy bodily injury insurance which will cover you if you hurt somebody else, but what happens to you if the person who hits you doesn’t have any bodily injury insurance and is fairly poor and can’t pay a judgment? Especially if you think you can’t afford it, don’t opt out of uninsured and underinsured insurance.