--- description: Uninsured motorist coverage pays for your injuries if an uninsured driver hits you but do you need it? Read to learn more in this article. title: Do You Really Need Uninsured Motorist Coverage? | Fran Haasch Law canonical: https://www.lawfran.com/car-accident-lawyers/do-you-need-uninsured-motorist-coverage/ date_modified: 2025-10-16T15:58:36+00:00 practice_area: car-accident --- - Do You Really Need Uninsured Motorist Coverage? | Fran Haasch Law [Home](https://www.lawfran.com/) » [Car Accident Lawyers](https://www.lawfran.com/car-accident-lawyers/) » Do You Really Need Uninsured Motorist Coverage? # Do You Really Need Uninsured Motorist Coverage? Last Updated: October 16, 2025 - Reading Time: 2 minutes trusted Content Legally Reviewed by: Fran Haasch Updated 11 months ago [![Tampa Bay Trial Lawyers Association](https://www.lawfran.com/wp-content/uploads/2023/12/tbtla-1.webp)](https://www.tbtla.us) [![10 Best Attorney Client Satisfaction American Institute of Personal Injury Attorneys](https://www.lawfran.com/wp-content/uploads/2022/01/logo-4.png)](https://www.aiopia.org) [![Avvo Rating 10.0 Superb](https://www.lawfran.com/wp-content/uploads/2022/01/avvo.png)](https://www.avvo.com) [![Florida Justice Association Logo](https://www.lawfran.com/wp-content/uploads/2022/01/logo-5.png)](https://www.myfja.org) [![elite Lawyers of America ELA](https://www.lawfran.com/wp-content/uploads/2022/01/logo-3.png)](https://www.elitelawyer.com) [![National Alliance of Attorneys Distinguished Member logo](https://www.lawfran.com/wp-content/uploads/2022/01/distinguished-member-2020-1-300x256.png)](https://naoatty.org) [![American Academy of Attorneys Top 100 2020](https://www.lawfran.com/wp-content/uploads/2022/01/AAOA-Top-100-2020-1-1-300x212.png)](https://aaoaus.com/directory/categories/florida-top-100) [![American Association of Justice logo](https://www.lawfran.com/wp-content/uploads/2022/01/logo-2.png)](https://www.justice.org) [![Multi-Million Dollar Advocates Forum](https://www.lawfran.com/wp-content/uploads/2022/01/logo-1.png)](https://www.milliondollaradvocates.com) Table of Contents Our Case results [$1,800,000 Car Accidents](https://www.lawfran.com/blog/case-results/1800000-2/) [$1,800,000 Car Accidents](https://www.lawfran.com/blog/case-results/1800000/) [$1,550,000 Car Accidents](https://www.lawfran.com/blog/case-results/1550000/) [$1,350,000 Car Accidents](https://www.lawfran.com/blog/case-results/1350000/) [$1,345,750 Car Accidents](https://www.lawfran.com/blog/case-results/1345750/) [$1,300,000 Car Accidents](https://www.lawfran.com/blog/case-results/1300000-2/) [$1,300,000 Car Accidents](https://www.lawfran.com/blog/case-results/1300000/) [$1,025,000 Car Accidents](https://www.lawfran.com/blog/case-results/1025000-2/) [$1,025,000 Car Accidents](https://www.lawfran.com/blog/case-results/1025000/) [$1,000,000 Car Accidents](https://www.lawfran.com/blog/case-results/1000000-4/) [$1,000,000 Car Accidents](https://www.lawfran.com/blog/case-results/1000000-3/) [$1,000,000 Car Accidents](https://www.lawfran.com/blog/case-results/1000000-2/) [$1,000,000 Car Accidents](https://www.lawfran.com/blog/case-results/1000000/) [$895,000 Car Accidents](https://www.lawfran.com/blog/case-results/895000/) [$800,000 Car Accidents](https://www.lawfran.com/blog/case-results/800000/) [$750,000 Car Accidents](https://www.lawfran.com/blog/case-results/750000-3/) [$750,000 Car Accidents](https://www.lawfran.com/blog/case-results/750000-2/) [$750,000 Car Accidents](https://www.lawfran.com/blog/case-results/750000/) [$700,000 Car Accidents](https://www.lawfran.com/blog/case-results/700000-2/) [$700,000 Car Accidents](https://www.lawfran.com/blog/case-results/700000/) [View All Results](https://www.lawfran.com/case-results/) Our Practice Areas Testimonials Extremely attentive and considerate. Highly recommend them. When I got in my car accident they kept me up to date with everything didn’t have to be on top of them. Very professional. Thank you guys for all you help me with. Julie Rodriguez I was in a car accident a few years ago, they helped me through the process .Very professional and very generous toward the different charities that they help. I've gotten to know a lot of good people throughout the years that are affiliated with them. Thomas Scharf Attorney Fran Haasch was great in helping me with my medical bills and settling my case! They really cared about me and my family. I recommend them, if you have injuries from an automobile accident. Sofia Beshara Contact Us Today Free Consultation Call us Anytime 24/7 (727) 784-8191 InstagramThis field is for validation purposes and should be left unchanged.Name(Required) First Last Email Phone(Required)Are You a New Client?Are You a New Client?Yes, I am a potential new client.No, I am a current existing client.I'm neither.Case Details(Required)Communication Consent I consent to receive calls and emails from Fran Haasch Law Group Accident & Injury Lawyers, including via automated technology, AI-assisted systems, and prerecorded messages, regarding my inquiry and related legal services. Consent is not a condition of services. [Disclaimer](https://www.lawfran.com/disclaimer-and-terms-of-use/) | [Privacy Policy](https://www.lawfran.com/privacy-policy/)SMS/Text Message Consent I consent to receive text messages from Fran Haasch Law Group Accident & Injury Lawyers at the phone number provided, including messages regarding my inquiry, case updates, and appointment reminders. Frequency may vary. Message & data rates may apply. Text HELP for assistance, reply STOP to opt out. Submit Δ ##### Car Accidents ### Understanding UIM/UM Coverage in Florida ## Do You Really Need Uninsured Motorist Coverage? I am always saddened to have to turn away a severely injured potential client because there is not any insurance available to compensate them for their injuries and losses. I urge all of you to pull out your motorcycle and auto insurance policies and make sure that you are adequately protected in the unfortunate event you are the victim of an uninsured or underinsured driver. #### We serve clients in Clearwater, Tampa, Palm Harbor, St. Petersburg, and the Greater Tampa Bay region and beyond. ## What Is Uninsured Motorist Coverage? [Uninsured/Underinsured Motorist coverage](https://www.lawfran.com/car-accident-lawyers/underinsured-uninsured-motorists/) is the most important coverage for motorcyclists to carry. UM coverage provides compensation to you for damages to you caused by someone who carries little or no liability insurance or if you are injured by a “[hit and run](https://www.lawfran.com/car-accident-lawyers/hit-and-run-accident/)” driver. I have many people tell me that they don’t believe they need UM coverage because they have health insurance. Health insurance is not enough. In addition to medical bills, [damages](https://www.lawfran.com/what-types-of-damages-can-i-recover-in-a-personal-injury-claim-in-florida/) that an accident victim may sustain include lost wages and pain and suffering. Many people are surprised to find out after they are a victim of an accident that Florida does not require motorists to carry [bodily injury coverage](https://www.lawfran.com/car-accident-lawyers/bodily-injury-liability-coverage/), therefore, the chances of being injured by someone without liability insurance are substantial. In the event that you are injured by someone with little or no insurance, you are able to make a claim with your UM carrier to be compensated for your injuries, [lost wages](https://www.lawfran.com/blog/2022/05/how-do-i-get-reimbursed-for-lost-wages-and-medical-expenses-after-an-auto-accident/) and pain and suffering. If you carry liability insurance, your insurance company has to offer you the same amount of UM coverage. Always consider purchasing the highest amount of UM offered to you. Clients are always surprised to find out how quickly their [medical bills](https://www.lawfran.com/blog/2022/05/im-receiving-medical-bills-in-the-mail-what-should-i-do-with-them/) can escalate into the thousands or hundreds of thousands of dollars! Also, if you insure one or more bikes or automobiles through the same insurance carrier you may opt for [stacked UM coverage](https://www.lawfran.com/car-accident-lawyers/florida-auto-insurance-stacked-vs-non-stacked/), which means that your UM limits can be multiplied by the number of vehicles insured under the policy. Stacking your UM coverage is relatively inexpensive and is one of the best ways to “get more bang for your buck.” Protect yourself and your loved ones. Check your policy today and make sure that you are carrying adequate insurance coverage. ## Contact Your Tampa Bay Car Accident Lawyers Today! If you have any questions about your insurance coverage or need any additional information regarding a [motorcycle accident](https://www.lawfran.com/motorcycle-accident-lawyers/), [car accident](https://www.lawfran.com/car-accident-lawyers/), [truck accident](https://www.lawfran.com/truck-accident-lawyers/), or other areas including [dog bites](https://www.lawfran.com/dog-bite-lawyers/), [slip and fall accidents](https://www.lawfran.com/slip-and-fall-personal-injury-lawyers/), [wrongful death situations](https://www.lawfran.com/wrongful-death-attorneys/) or even [bicycle accidents](https://www.lawfran.com/bicycle-accidents/), please [contact our office](https://www.lawfran.com/contact-us/) at (727) 784-8191. We will be happy to answer your questions free of charge. INJURED IN FLORIDA? The Fran Haasch Law Group Is Here for You. Whether you’ve been hurt in a [motorcycle crash](https://www.lawfran.com/motorcycle-accident-lawyers/), [car accident](https://www.lawfran.com/car-accident-lawyers/), [truck collision](https://www.lawfran.com/truck-accident-lawyers/), or another serious incident, you deserve strong legal representation. Our experienced Florida [personal injury attorneys](https://www.lawfran.com/palm-harbor-personal-injury-lawyers/) will fight to protect your rights and help you recover the compensation you need. [Schedule Your Free Consultation](https://www.lawfran.com/contact-us/) Share this page Find an Office Near You Our Car Accident Locations At Fran Haasch Law Group Accident & Injury Lawyers, we’re proud to serve clients throughout the greater Tampa Bay area and beyond. With multiple offices across the region, our team is dedicated to making it easy for you to access experienced legal help close to home. Select a location below to learn more about the services available near you. Meet Our Attorneys ![fran-haasch.jpg](https://www.lawfran.com/wp-content/uploads/elementor/thumbs/fran-haasch-r9krkvoso3sdv1wow979xtqj4n68cn5nlpd31reujw.webp) ## Francoise M. Haasch Founding Attorney Over 20 Years Experience - [Personal Injury](https://www.lawfran.com/palm-harbor-personal-injury-lawyers/) - [Car Accidents](https://www.lawfran.com/car-accident-lawyers/) - [Motorcycle Accidents](https://www.lawfran.com/motorcycle-accident-lawyers/) [![Multi Million Dollar Advocates Forum](https://www.lawfran.com/wp-content/uploads/2023/12/logo-1-2.png)](https://nwtla.org/members/francoise-haasch-esq/) Lifetime Member [![Avvo Rating 10.0 Superb](https://www.lawfran.com/wp-content/uploads/2023/12/avvo-2.png)](https://www.justice.org/) [![National Women Trial Lawyers Top 25](https://www.lawfran.com/wp-content/uploads/2023/12/66659356429853-e1760028480574.webp)](https://nwtla.org/members/francoise-haasch-esq/) [![Best of the Best Attorneys Top 10 Personal Injury Attorney 2024](https://www.lawfran.com/wp-content/uploads/2024/04/best-of-the-best.webp)](https://bestofthebestattorneys.org/best-attorneys/2024-best-attorneys/) [![2024 Attorney and Practice Magazine Personal Injury Law Attorney Badge](https://www.lawfran.com/wp-content/uploads/2024/02/award.webp)](https://www.attorneyandpractice.com/) Known for extensive trial experience and consistent client advocacy across complex injury cases. [Meet Francoise M. Haasch](https://www.lawfran.com/attorneys/francoise-m-haasch/) ![joshua-lipton.jpg](https://www.lawfran.com/wp-content/uploads/elementor/thumbs/joshua-lipton-r9krl6yuy47tqdgb2e2srqw299mmx0efn96wt2y4h8.webp) ## Joshua R. Lipton Managing Attorney Over 20 Years Experience - [Personal Injury](https://www.lawfran.com/palm-harbor-personal-injury-lawyers/) - [Car Accidents](https://www.lawfran.com/car-accident-lawyers/) - [Motorcycle Accidents](https://www.lawfran.com/motorcycle-accident-lawyers/) Recognized for consistent results and strong client advocacy in complex accident cases. [Meet Joshua R. Lipton](https://www.lawfran.com/attorneys/joshua-r-lipton/) ![david-fuller.jpg](https://www.lawfran.com/wp-content/uploads/elementor/thumbs/david-fuller-r9krlbo1wae9cf9hay3xm7pd86zgzhx3bwgc7gr5m4.webp) ## David R. Fuller Attorney Over 30 Years Experience - [Personal Injury Litigation](https://www.lawfran.com/palm-harbor-personal-injury-lawyers/) Secured more than a dozen seven-figure settlements for clients. [Meet David R. Fuller](https://www.lawfran.com/attorneys/david-r-fuller/) ![AllenPipkins](https://www.lawfran.com/wp-content/uploads/elementor/thumbs/AllenPipkins-r9kqgp36i2s3j69yjdwfugs4wn8cagmr2tctgwzqjw.webp) ## Allen J. Pipkins II Attorney Over 10 Years Experiece - [Personal Injury](https://www.lawfran.com/palm-harbor-personal-injury-lawyers/) - [Wrongful Death](https://www.lawfran.com/wrongful-death-attorneys/clearwater/) - [Motorcycle Accidents](https://www.lawfran.com/motorcycle-accident-lawyers/) Combines experience from both plaintiff-side injury firms and large insurance companies. [Meet Allen J. Pipkins II](https://www.lawfran.com/attorneys/david-r-fuller/) ![laura-smith.jpg](https://www.lawfran.com/wp-content/uploads/elementor/thumbs/laura-smith-r9krlffenmjemv40ozqfw6r7lqgxuac0of2a4klkx8.webp) ## Laura Smith Davies Attorney (Of Counsel) Almost 20 Years Experiece - [Personal Injury](https://www.lawfran.com/palm-harbor-personal-injury-lawyers/) - [Wrongful Death](https://www.lawfran.com/wrongful-death-attorneys/clearwater/) - [Motorcycle Accidents](https://www.lawfran.com/motorcycle-accident-lawyers/) Known for her versatile trial experience and leadership roles across multiple legal disciplines. [Meet Laura Smith Davies](https://www.lawfran.com/attorneys/laura-smith-davies/) Related Content Want to learn more about car accidents? Whether its how to prevent them or what to do once you’ve been in one, [our blog](https://www.lawfran.com/blog/) can help you gather the knowledge and information you need. ### [What is Bodily Injury Liability Coverage?](https://www.lawfran.com/car-accident-lawyers/what-is-bodily-injury-liability-coverage/) ### [Clearwater Car Accident Attorneys](https://www.lawfran.com/car-accident-lawyers/clearwater/) ### [Do You Need Insurance To Register a Car in Florida](https://www.lawfran.com/car-accident-lawyers/do-you-need-insurance-to-register-a-car-in-florida/) ### [Spring Hill Car Accident Lawyer](https://www.lawfran.com/car-accident-lawyers/spring-hill/) ### [Florida Auto Insurance: Stacked vs. Non-Stacked](https://www.lawfran.com/car-accident-lawyers/florida-auto-insurance-stacked-vs-non-stacked/) ### [What is Comprehensive Insurance?](https://www.lawfran.com/car-accident-lawyers/what-is-comprehensive-insurance/) ### [Lakeland Car Accident Lawyer](https://www.lawfran.com/car-accident-lawyers/lakeland/) ### [New Port Richey Car Accident Attorney](https://www.lawfran.com/car-accident-lawyers/new-port-richey/) ### [Economic VS Non-Economic Damages In Tampa Car Accident Cases](https://www.lawfran.com/blog/2026/09/economic-vs-non-economic-damages-in-tampa-car-accident-cases/) September 10, 2026 What Are Economic and Non-Economic Damages In Tampa Car Accident Cases? Being injured in a car accident in Tampa, Florida, can lead to significant physical, [Read Full Post »](https://www.lawfran.com/blog/2026/09/economic-vs-non-economic-damages-in-tampa-car-accident-cases/) ### [Can an Auto Insurer Refuse to Pay Your Car Accident Claim? A Florida Guide](https://www.lawfran.com/blog/2026/08/florida-auto-insurance-claim-denied/) August 27, 2026 Short answer: yes — a Florida auto insurer can refuse to pay a car accident claim, and it now happens on nearly half of injury [Read Full Post »](https://www.lawfran.com/blog/2026/08/florida-auto-insurance-claim-denied/) ### [Who Is at Fault in a Single Vehicle Car Accident?](https://www.lawfran.com/blog/2022/05/who-is-at-fault-in-a-single-vehicle-car-accident/) May 8, 2022 Typically, you will see news coverage of car accidents where multiple vehicles are involved and there are significant personal injuries. However, a large number of [Read Full Post »](https://www.lawfran.com/blog/2022/05/who-is-at-fault-in-a-single-vehicle-car-accident/) ## Contact Us Today [(727) 784-8191](tel:+17277848191) Our experienced attorneys are here to help you navigate your legal rights with confidence. NameThis field is for validation purposes and should be left unchanged.Name(Required) First Last Email Phone(Required)Are You a New Client?Are You a New Client?Yes, I am a potential new client.No, I am a current existing client.I'm neither.Case Details(Required)Communication Consent I consent to receive calls and emails from Fran Haasch Law Group Accident & Injury Lawyers, including via automated technology, AI-assisted systems, and prerecorded messages, regarding my inquiry and related legal services. Consent is not a condition of services. 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