In my opinion, uninsured motorist insurance is a waste of money. You are paying to insure someone who doesn't have their own insurance. The only thing it will cover is medical costs for you and your passengers, and for "pain and suffering" if you decide to sue your own insurance company. But, if you and your passengers already have health insurance, it will basically not cover anything. Damage to your own car is already covered by your collision and comprehensive insurance, and your liability insurance covers damage that you cause. Fortunately, Florida is a state that does not require uninsured motorist insurance. Some states do. So, I save money by not buying it.
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