Generally, uninsured motorist coverage in Florida covers you by paying you money for your injuries when you are in an accident in Florida and the at-fault driver does not 1) have any insurance on the vehicle or 2) does not have any bodily injury coverage on the vehicle. It also pays for accident where the at fault driver flees the scene of the accident. In Florida, uninsured motorist coverage also includes underinsured motorist scenarios (you don’t buys these separately in Florida; they are purchased together generally) and thus if the at fault driver has bodily injury insurance but your injuries exceed the value of that coverage, then you underinsured motorist coverage pays you monies over and above the bodily injury limits. This coverage is not required by Florida law; however, if you do purchase bodily injury coverage then Florida law requires the insurance company to offer you uninsured/underinsured motorist coverage up to your bodily injury limits. The law allows you to reject uninsured motorist coverage if you purchase bodily injury insurance but generally you must reject the uninsured motorist coverage in writing. Uninsured motorist coverage is very good and important insurance to have in Florida. It is not required as discussed above.
