We understand you have paid your premiums. You’ve got health insurance. Maybe you even feel a little responsible, prepared. However, accidents have a way of testing not just your body but your beliefs. And belief in the system? That’s often the first thing to break.

Because what nobody tells you is that health insurance has its limits. And when the person who hit you has no insurance at all, those limits show up brutally fast.

So let’s talk about that. Because if the crash hasn’t happened yet, this is your chance to do something most people never get.

1) Florida Doesn’t Require Bodily Injury Coverage

In Florida, bodily injury coverage isn’t even required.

Yes. You can register a vehicle, hit the road, and never carry a dime of bodily injury liability coverage. That means if that person runs a red light and slams into you, they could be fully legal and still have zero coverage to pay your hospital bills, your surgeries, your lost income, or any of it.

Florida is one of only two states in the entire country that does this, the other being New Hampshire, believe it or not. It’s not right. But it is reality. And the only way around it is to protect yourself before the accident ever happens, not after.

2) “David, What Can I Do?” The Call That Comes Too Late

I can’t even count how many times I’ve picked up the phone and heard the same thing on the other end, “David, what can I do? The guy who hit me doesn’t have insurance.”

And I can hear it in their voice, the pain and the regret. Because what they’re really asking is, “Is there any help left?” Sometimes there is. But too often, there isn’t. And that’s the part that’s hard to say out loud.

Because when someone doesn’t carry bodily injury coverage and you haven’t added uninsured motorist coverage to your own policy, there’s no secret safety net. Bills pile up, work stops, and the person who hit you walks away. It’s not just money. It’s your career, your plans, your ability to lift your child or hold a knife if you’re a chef. These are real stories. I’ve seen them firsthand.

And every time, I think, if only they had known. If only someone had explained it before the crash. Before the ambulance. Before the letter from the insurance company. That’s why I’m telling you now. So this isn’t your story later.

3) Health Insurance Pays Your Bills But Not Your Pain, Suffering, or Lost Future

Therefore, when someone tells you, “You don’t need uninsured motorist coverage — you have health insurance,” they’re either confused or they’re selling you short. Because those two things are not interchangeable.

Let’s break it down:

• Health insurance pays the hospital, sure. But you’re still on the hook for deductibles, co-pays, physical therapy, maybe ambulance rides and none of it touches your pain and suffering.
  
  

• Uninsured motorist (UM) coverage kicks in when the other driver does not have adequate coverage and helps you recover everything else. Things that don’t show up on a receipt but change your life all the same.
  
  

“The average hospital bill after a serious crash is over $62,000.” 

— National Safety Council

And that’s just the beginning. That number doesn’t include the lost income. The years of therapy. The things you won’t get back.

So ask yourself, do you want a policy that just pays a few bills, or one that protects your future?

4) Insurance Agents Don’t Always Tell You the Whole Truth

I’ve heard some things from insurance agents that should make your jaw drop. The big one?

“You don’t need uninsured motorist coverage if you already have health insurance.”

That is flat-out false. Insurance companies in Florida are legally required to offer you uninsured motorist coverage. They can’t just leave it off your policy and hope you don’t notice. The law requires them to offer it, and they cannot raise the price without the state's approval.

So what do they do instead?

They try to get you to reject it. They hand you a form full of dense legal language and say, “Sign here to save a few bucks.” What they don’t say is, “You’re giving up your right to be protected if someone hits you and has no insurance.”

That’s how they work around the law. They get your signature. They file that rejection form away. And then when you’re lying in a hospital bed, they say, “Sorry, you opted out.”

And why don’t they want you to have UM coverage? Because it costs them money when you use it. They don’t like selling you something that actually works in your favor.

Listen, not all agents are bad. But there’s a reason they’re trained to push certain lines and skip over others. The system rewards that. It’s not right, and it’s not transparent.

5) Protect Yourself Before It Happens And It’s Cheaper Than You Think

In Florida, UM coverage is actually one of the best deals you can get. That’s because the rates are regulated by law. Insurance companies can’t just charge any price they want. They have to get permission from the state if they want to raise your premiums for it. That makes this one of the few protections out there where the value is actually in your favor.

And the truth is saving a few bucks now could cost you everything later.

It sounds harsh, but I’ve seen it. People reject UM coverage to save $8 a month, and then years of hard work get wiped out in seconds by a driver who never carried proper insurance in the first place. The good news? You still have time to make a different choice. Here's a quick explanation to help you better prepare for what's coming.…

6) Not Sure If You’re Covered? We’ll Walk You Through It Right On Your Phone

If you’ve made it this far and you’re thinking, “Wait, I don’t even know if I have uninsured motorist coverage,” don’t panic. Most people don’t. They either forgot, they never really looked, or they signed whatever the insurance agent handed them without a second thought.

However, we can help you find out. Right from your phone.

You can open your insurance app, and we’ll walk through it together. We’ll show you where to look, what coverage you have, and what it actually means. 

Still can’t tell? That’s okay. We’ll send a letter to your insurance company for you. We’ll ask the right questions and get you the real answers.

And if you do have the coverage? Great. Now you can breathe a little easier. If you don’t? At least now you know. And you still have time to fix it. The goal here is to make sure you’re not stuck in the dark when life hits the brakes.

7) Uninsured Doesn’t Mean Unlucky, If You’ve Got the Right Coverage

You don’t get to choose who crashes into you. However, you do get to choose today  whether that moment leaves you defenseless, or just shaken but standing.

And no, having UM coverage doesn’t make you paranoid. It makes you prepared. So whether the accident’s already happened, or you’re just starting to wonder what if, the answer is the same:

Call us. Before the crash, or after but call.

Because if no one else shows up to take care of you… your policy still can. And so can we.