What is Uninsured Motorist Coverage?

In the state of Florida, drivers are only required to carry Personal Injury Protection (PIP) and Property Damage Liability (PD). However, you can also opt to add uninsured motorist coverage. This coverage protects you in the case that you are involved in an accident with a driver who has no insurance or insufficient insurance to cover the cost of the damages they caused. For example, if your accident has resulted in medical bills of $15,000, but your PIP limit is $10,000 and the other driver cannot provide the $5,000 difference, UM would help cover this amount to limit what you have to pay for yourself.