{"id":28013,"date":"2020-09-23T08:00:20","date_gmt":"2020-09-23T12:00:20","guid":{"rendered":"https:\/\/www.rhinolawyers.com\/?p=28013"},"modified":"2026-08-24T11:12:19","modified_gmt":"2026-08-24T15:12:19","slug":"um-uim-coverage-do-you-have-enough","status":"publish","type":"post","link":"https:\/\/www.rhinolawyers.com\/es\/um-uim-coverage-do-you-have-enough\/","title":{"rendered":"COBERTURA UM\/UIM \u00bfTIENE SUFICIENTE?"},"content":{"rendered":"<div style=\"margin: 0 auto; max-width: 560px;\">\n<p><iframe loading=\"lazy\" title=\"Reproductor de video de YouTube\" src=\"https:\/\/www.youtube.com\/embed\/2H8rS2Hdd5k?si=jrmu7N7m9rkkDma7\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<\/div>\n<p>To start with, driving in Florida can be a constant struggle. Because of the traffic, distractions, and amount of uninsured motorists on the roadways, car accidents happen all the time. So, do you have UM\/UIM coverage to protect yourself from uninsured motorists? More importantly, do you have enough coverage? As this could be the single most important type of auto insurance you carry.<\/p>\n<p>In reality, most people do not have enough coverage. And, even though a driver may be \u201cat fault\u201d it does not mean that they have insurance to cover your injuries. So, having enough <a href=\"http:\/\/www.leg.state.fl.us\/STATUTES\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699\/0627\/Sections\/0627.727.html\" target=\"_blank\" rel=\"noopener noreferrer\">UM\/UIM coverage<\/a> could make a difference in your ability to recover damages.<\/p>\n<h2>What is UM\/UIM Coverage?<\/h2>\n<p>So, you might be wondering how is UM\/UIM coverage different from my Bodily Injury coverage? Well, UM coverage will cover you for damages caused by another driver. And, UIM coverage will pay damages when the at-fault driver does not have enough coverage. Specifically, a UM\/UIM policy will you to recover the following:<\/p>\n<ul>\n<li>Gastos m\u00e9dicos pasados y futuros<\/li>\n<li>Salarios ca\u00eddos<\/li>\n<li>Non-economic damages like a permanent disability<\/li>\n<\/ul>\n<h2>UM Coverage Stacking<\/h2>\n<p>By the way, if you currently have or you&#8217;re considering UM\/UIM coverage ask about stacking. Particularly, stacking allows you to stack coverage based on the number of cars covered on your policy. As an example, if you have a $30,000 UM\/UIM policy and two cars on the policy, you stack the policy giving you $60,000 in coverage.<\/p>\n<p>So, before you decline UM\/UIM coverage do some research. And, make sure you are making the right choice in coverage to protect yourself. As well as, giving yourself the ability to handle any financial fallout from a car crash.<\/p>\n<h2>UM\/UIM CLAIM IN NO-FAULT STATE<\/h2>\n<p>In <a href=\"https:\/\/www.rhinolawyers.com\/es\/florida-no-fault-law\/\" target=\"_blank\" rel=\"noopener noreferrer\">a \u201cno-fault\u201d state<\/a> your insurance company will cover things like medical bills and lost wages regardless of fault. However, they will only cover up to the limits of your coverage. As for your auto repairs, you would need separate collision coverage.<\/p>\n<p>In this situation, you could use your health insurance for your medical bills. Then you could use your collision coverage for repairs needed for your vehicle. However, you will be responsible for the deductibles and you can forget about any lost wages.<\/p>\n<p>As a result, it would be beneficial for all drivers to carry uninsured\/underinsured (UM\/UIM) motorist insurance. It\u2019s a good way to counter an otherwise terrible situation. So, if a driver that doesn\u2019t have insurance hits you, your UM insurance will cover you. Because of the reasonable cost of a policy, you should get as much as you can afford.<\/p>\n<h2>COMUN\u00cdQUESE CON UN ABOGADO DE ACCIDENTES AUTOMOVIL\u00cdSTICOS EN TAMPA<\/h2>\n<p>En resumen, despu\u00e9s de un accidente automovil\u00edstico, es posible que no conozca sus derechos. Sobre todo, no luche solo durante el proceso. En realidad, nuestro <a href=\"https:\/\/www.rhinolawyers.com\/es\/meet-your-team\/\">equipo de lesiones personales<\/a> est\u00e1 aqu\u00ed para ayudarle con cualquier necesidad legal que pueda tener relacionada con su accidente.<\/p>\n<p>Por \u00faltimo, que\u00a0<strong>RHINO Lawyers<\/strong>\u00a0responda a sus preguntas y revise los hechos de su caso con una consulta gratuita. As\u00ed que comience completando el \u201c<a href=\"https:\/\/www.rhinolawyers.com\/es\/contact-us\/\">Evaluaci\u00f3n de caso instant\u00e1nea y gratuita<\/a>\u201do llam\u00e1ndonos en cualquier momento, d\u00eda o noche, al\u00a0<a href=\"tel:844-329-3491\">844.329.3491<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"<p>To start with, driving in Florida can be a constant struggle. Because of the traffic, distractions, and amount of uninsured motorists on the roadways, car accidents happen all the time. So, do you have UM\/UIM coverage to protect yourself from uninsured motorists? More importantly, do you have enough coverage? As this could be the single [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":28021,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[41],"tags":[],"class_list":["post-28013","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.3 (Yoast SEO v28.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>UM\/UIM COVERAGE DO YOU HAVE ENOUGH? - RHINO Lawyers<\/title>\n<meta name=\"description\" content=\"Learn how UM\/UIM coverage can help you if you get into an accident with someone who does not have enough insurance to pay for damages.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rhinolawyers.com\/es\/um-uim-coverage-do-you-have-enough\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"UM\/UIM COVERAGE DO YOU HAVE ENOUGH?\" \/>\n<meta property=\"og:description\" content=\"Learn how UM\/UIM coverage can help you if you get into an accident with someone who does not have enough insurance to pay for damages.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rhinolawyers.com\/es\/um-uim-coverage-do-you-have-enough\/\" \/>\n<meta property=\"og:site_name\" content=\"RHINO Lawyers\" \/>\n<meta property=\"article:published_time\" content=\"2020-09-23T12:00:20+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-24T15:12:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.rhinolawyers.com\/wp-content\/uploads\/2020\/07\/RL-SocialMedia_SeptUm-UIMCoverage.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Brandon F. Jones, Esquire\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Brandon F. Jones, Esquire\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.rhinolawyers.com\\\/um-uim-coverage-do-you-have-enough\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.rhinolawyers.com\\\/um-uim-coverage-do-you-have-enough\\\/\"},\"author\":{\"name\":\"Brandon F. 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