Uninsured motorist/underinsured motorist (“UM/UIM”) coverage protects you if you are injured by a negligent driver who does not carry bodily injury liability coverage or does not carry enough liability insurance.
With one out of four drivers in Florida driving without automobile insurance, and one of the highest accident rates in the country, if you are hit by an uninsured or underinsured motorist you may not be able to obtain compensation for medical treatment, lost wages, long term nursing care, funeral expenses, and other damages.
Some insurance companies or insurance agents will try to convince you that you do not need UM/UIM. Florida law does not require drivers to buy this important coverage, but they absolutely should. You should always purchase insurance with the highest stacked UM policy limits that you absolutely can afford so that you will be protected in the event that you are injured in a car accident by an uninsured or underinsured motorist.