Uninsured motorist insurance (UM) is mandatory in many states, but not in Florida. I have never purchased it since moving to Florida. Some people will disagree, but, in my opinion, it is mostly redundant with your health insurance. You can sue your insurance company for "pain and suffering" using UM, but, unless you have millions in coverage, you will probably have trouble hiring a lawyer, and you will not end up with a large settlement. I think it is a good way to save a few hundred dollars by rejecting UM. My opinion.
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