What is uninsured and underinsured motorist coverage?

Uninsured motorist coverage is the case in which the other motorist involved in a car accident does not have insurance. Because the state of Florida does not require motorists to have bodily injury coverage, it is beneficial to have uninsured motorist coverage in the event the other motorist does not have insurance. Even if you have bodily injury insurance coverage, if you do not purchase uninsured motorist insurance, you will not be covered.

Underinsured motorist coverage is the case in which the other motorist does not have sufficient insurance. Such coverage can be to your advantage if the at-fault motorist has insurance with liability limits that are inadequate to pay for any damage to your vehicle or your medical bills.

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