Quote:
Originally Posted by retiredguy123
Not sure I understand. If you don't have any UM coverage, there will be no UM settlement. So, your health insurance will pay for your medical treatment. To me, that is an advantage of not having UM insurance. Who wants to deal with their auto insurance company for medical treatment if you already have health insurance?
You are correct that passengers are covered if you have UM insurance. But, I expect my passengers to have health insurance like I do.
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Uninsured motorist insurance is optional in Florida. But, regarding the mandatory insurance, I don't know why Florida doesn't require insurance companies to issue a sticker for the vehicle to prove that the car is insured, like the state does with the registration sticker.