So true

That does not make any sense at all. Why should you pay any of your medical expenses or rehab when the uninsured motorist caused the damages ? If the other driver is at fault, they would be held responsible.

Who Pays Medical Bills After A Florida Car Accident? | The Florida Law Group

I'll bet you a dollar that less than 10 percent of drivers with UM insurance have a million dollars or more in coverage. Most insurance companies will not even sell you more than $300K. And, even if you have $300K, the lawyer will take 30 to 40 percent of it. Also, I believe that the primary purpose for UM insurance is to pay for the medical bills of people who don't have adequate health insurance, so the state doesn't get stuck with the indigent bill.

My purpose is to get people to understand what they are buying with their auto insurance because most people are paying for UM coverage, but they cannot explain what it covers. If you don't believe me, ask a few people.

I have excellent health insurance to pay for my medical bills and rehab. Why should I pay for redundant coverage?

Last line is somewhat true. If you had bad injuries or died, the insurance company should voluntarily pay you the limit if it is 300K. If your claim is worth <300k the attorney will use his/her expertise to get you the value of the claim and protect you in the settlement. Insurance companies can match the limit. If you have 500K in liability coverage you can buy UM up to 500K

If a person does not have any insurance of low insurance limits, they probably have 0 assets and you will not be able to recover anything from them. In addition, Florida has laws which protect them from paying claims. Main reason why OJ Simpson moved to Florda after he lost his civil case

Even $500K in personal liability is hard to find. I have $1 million in personal liability with State Farm, but I had to shop around to get it. Geico would only offer me $250K in liability coverage. These insurance companies want to make a quick profit on low coverage policies.

Uninsured
 

This coverage also covers “underinsured “ for when the cost is greater than written.

Passengers injured
 

Don’t think Medicare or Medicare advantage plans cover all treatments. Big question is what if you have 3 passengers in your car and they are injured by an uninsured motorists . Who pays for their treatment of permanent disability and can’t work ?
I would definitely pay for uninsured motorists insurance or inform your passengers you don’t have uninsured motorists insurance before driving.
In addition if you do receive a settlement for an accident involving a uninsured motorist, Medicare , Medicare advantage and or the veterans administration will put a lien on your settlement and go after you for full price for any treatment you receive from them .

Settlements
 

Keep in mind your health insurance that paid for your treatment will put a lien on your settlement to get reimbursed usually at full price. Plus what about passengers in your car your driving if they are injured, killed or permanently disabled?

One solution maybe....no insurance no registration. You lapse on you insurance the insurance company notifies the state and police agencies. If you are caught driving uninsured you are fined and the car is impounded until it is insured.
I believe this is what is done in other states. Maybe our governor can propose this.

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.

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.

Passengers
 

That might be fine for you but what if you have three passengers in your car your driving?

I don't feel responsible for insuring passengers against an uninsured motorist. Although, I agree that it may be a good idea to notify passengers that the vehicle doesn't have UM coverage. Note that I do have plenty of personal liability coverage to cover an accident where I am at fault.