Answer:

If you live in Florida and have a car, you are required as a car owner to have car insurance. Never buy car insurance without getting what?s called UM coverage ? uninsured motorist coverage. This kicks in if the person who hits you and causes you injuries either didn?t have insurance or didn?t have enough insurance. Many people often believe they have full coverage but don?t have UM coverage. Full coverage is a misnomer. You need to make sure you have this uninsured motorist coverage.
I practice law in Florida, and I have seen many different scenarios where UM coverage matters. People aren?t thinking about getting into car accidents, but it happens. Make sure that you take the time and spend the amount of money that it costs for you to get this additional coverage, so that you are adequately protected.