Why is uninsured/underinsured motorist (UM/UIM) coverage so important in Florida?

Florida does not require most drivers to carry bodily injury liability insurance. That means many at-fault drivers have little or no coverage to pay for your injuries. UM/UIM coverage on your own policy steps in when the at-fault driver has no insurance, not enough insurance, or flees the scene in a hit-and-run. Insurers must offer UM coverage. If you declined it, the rejection generally must be in writing. “Stacked” UM can let you combine coverage across multiple vehicles in your household. Review your declarations page now, before you need it.