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What is the purpose of obtaining uninsured or underinsured motorist coverage?

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The purpose for carrying underinsured or uninsured motorist coverage in Florida is to protect yourself from those people who are driving legally in the state of Florida without any insurance coverage. Florida allows, through its no-fault laws, for people to drive around only carrying insurance that pays for their own injuries, Personal Injury Protection or PIP, and Property Damage Coverage. They don’t have to carry Liability Injury Protection to pay you if they injure you in an accident.

Therefore, it’s really important that you buy underinsured or uninsured motorist coverage through your own insurance company, at the highest rate that you can afford, to protect yourself in the instance that you’re involved in an accident with someone who is not covered by insurance.