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Originally Posted by villagetinker
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I agree that you should get the facts about uninsured motorist insurance. But, sadly, many people who have moved to Florida from another state where uninsured motorist insurance was required by state law, seem to buy it automatically without really knowing what it covers. Most people have collision, comprehensive, and liability coverage on their auto policy, and also have Medicare or another health insurance plan that covers all of their medical bills. So, if they are involved in an accident with a person who has no liability insurance, what do you think the uninsured motorist coverage is going to do for you? The OP said that their cost for the insurance would be $225, which, I assume would be $450 per year. That is a substantial amount, but it will only cover things like "pain and suffering" and maybe a death benefit resulting from an injury. And, in order to collect it, you will most likely need to hire a lawyer and sue your own insurance company, who will fight against you to collect anything. So, buy the insurance if you want, but understand exactly what it will cover. When asked, most people do not know what they are paying for. Many people think that it covers damage to their car, which it does not. Obviously, your insurance agent wants you to buy it because it increases their commission.