We put our northern cars in storage mode when we come down here,
I believe we only pay comprehensive in that mode.
Then Florida car is taken out of storage mode, and has full coverage
Storage mode about 7 months up north, and
about 5 months here! Full coverage is just the reverse!

In Florida no fault is primary but only 10,000 per person coverage. One of the coverages under UM is nursing and rehab coverage. Health insurance is very limited for this coverage. I had a friend who was in rehab a year and at fault driver had no insurance. She collected 100,000 under her UM for the year in rehab and physical therapy.

An umbrella coverage won't cover you for uninsured motorist if you don't cover at least the basic coverage for it. The only reason they would tell you to stop it is if you couldn't afford insurance & they would tell you it's optional. No one should ever drop uninsured motorist coverage.