sharminlaw

Renewing Your UM Coverage: Whate You Sould Know If You've Been in a Palm Beach County Car Accident

Florida Statute provides that UM coverage or higher limits needs not be included in any policy that "renews, extends, changes, supersedes, or replaces an existing policy with the same bodily injury limits" when the named insrued previously rejected coverage or selected lower limits.  However, an insurer was required to get a new objection of UM coverage when a policy obtained by a business for an employee was treanferred to the employee after the employee leased a new car.

Exclusion of UM coverage or higher limits does not apply when there has been a gap between expiration of one policy and issuance of the next policy.  The subsequently issued policy does not replace an existing policy and an insurer cannot rely onthe previous rejection of the prior policy if there is a gap between expiration of one and the issuance of the next.

An insurer is required  to notify the named insurer at least annually of the UM options available under the statute and failure to do so means that the insured is entitled to limits of UM coverage requal to the limits of bodily injury protection limits. If you've been involved in a Palm Beach County car accident, make sure to find an experienced West Palm Beach accident attorney who understands the importance of UM coverage and benefits to make sure you get the compensation you deserve.