Uninsured motorist insurance pays you when a driver who is uninsured injures you.  If a governmental entity vehicle injures you, it is considered uninsured and you can make a claim against any available uninsured motorist (UM) insurance – if it was purchased. Young v. Progressive Southeastern Ins. Co., 753 So. 2d 80 (Fla. 2000). This is great news for several reasons, which are discussed in some of the examples below.

Example #1 [Read more…]