If a motorist like that seriously injures you, for all practical purposes, your situation wouldn't be better than if you didn't have insurance. In fact, not only does Florida have the highest accident rate in the country (one of the highest), but it also leads the country in cases of uninsured or underinsured motorists. It's important to note that coverage for uninsured drivers is not the same as personal injury protection (PIP) coverage, which in Florida covers the medical expenses of an accident (and the loss of wages) regardless of the driver who is at fault. Before you buy UM coverage for yourself, you must first purchase bodily injury liability (BI) coverage to cover anyone who is harmed or injured if they are involved in an accident with you.
The idea of having to spend a fortune on damage and injuries caused by a careless, uninsured driver can cause anxiety for anyone. Regardless of how these two steps are completed, once you have BI and UM coverage, you will be assured of excellent protection against future car accidents, whether you were the injured party or the one that caused the injury to the other driver. Many drivers in Florida don't have this additional liability coverage, and if they do, they often have the minimum amount possible. If you drive in Florida, you'll know the importance of having coverage for drivers, in particular of having additional coverage that protects you against different unpredictable situations.
Third, the additional expenses you pay each month are negligible compared to the amount of money you'll lose if you're injured in a collision with an underinsured or uninsured driver. They can provide you with more information and help you decide if you should buy underinsured or uninsured car coverage. In addition, UM coverage generally extends its protection to family members and passengers who were inside your vehicle at the time of a car accident. Coverage for uninsured or underinsured drivers protects insured drivers injured or involved in a traffic accident caused by a motorist who has little or no car insurance.
If you don't have this type of coverage, you run the risk of not being able to recover the full compensation you deserve if a driver without coverage runs you over and injures you.
