Although it is hard to believe, there are still uninsured drivers on our roadways, and Florida has among the highest uninsured motorist rates in the country. Because of this, purchasing uninsured motorist coverage for your vehicle in an amount equal to your bodily injury coverage is of the utmost importance. If your insurance agents tells you that you do not need this coverage, you are not getting good advice.
Uninsured motorist insurance covers medical bills, wage loss, and monetary damages for suffering after the $10,000 in personal injury protection coverage is exhausted, and after confirmation that the at-fault driver has no insurance or is underinsured. It is even more important in Florida than in other states to carry uninsured motorist coverage, as Florida drivers are not required to purchase bodily injury liability coverage, so there is often nowhere else to turn for compensation once the $10,000 in personal injury protection coverage is eroded.
You should purchase uninsured motorist coverage in an amount equal to your bodily injury liability coverage (which we also recommend you purchase). Stacking coverage does not cost you that much extra, but can dramatically increase the coverage available after an accident.