What happens if I am injured in Florida by an at-fault driver who doesn't have auto insurance?
If you're in a car crash in Florida and the other driver doesn't have insurance, now, that's a big. And that's why we look to your uninsured or under-insured motorist coverage. That's why we always say that that coverage, the UM coverage, is the most important insurance coverage that you can have. Basically, what that insurance does is it steps in the shoes of the driver without insurance and helps pay for your damages just as they would. With so many drivers driving around without BI or with no insurance at all, the UM insurance is the more important and we recommend everyone get it.