Uninsured motorist coverage is a type of auto insurance that provides extra security to drivers who are hit by drivers who do not have any liability insurance coverage12345. In Florida, it is not mandatory to take out uninsured or underinsured motorist insurance, but auto insurers are obliged to offer it to you, and you have the option of turning it down1. Uninsured motorist coverage covers you if you suffer damages inflicted by a driver who was driving without insurance or who had too little insurance2. It is intended to provide you a backup source of recovery if you are harmed in a crash by someone without liability insurance at all or without enough coverage to cover your damages.
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