You need to purchase uninsured motorist coverage in the State of Florida because there are so many people in this state driving without liability coverage.  What uninsured motorist accident coverage does, is it protects you if you're hurt, if somebody else causes the accident, and does not have liability coverage.  Essentially, you're purchasing the insurance to protect yourself. It's relatively inexpensive, the insurance agents really don't want to sell it, and the insurance companies don't want you to carry it. So make sure you purchased UM coverage. Call The Law Office of Gloria Seidule for your FREE case evaluation 772-222-3337.