What is UM coverage and why is it so important in Florida?
Unfortunately, this is a common situation for many drivers since Florida currently does not require its residents to carry bodily injury liability coverage (BI) for non-commercial purposes. In other words, Florida only requires non-commercial drivers to carry Personal Injury Protection (PIP) and Property Damage Liability (PD). PIP covers 80 percent of all necessary and reasonable medical expenses up to $10,000 resulting from a covered accident, no matter who is at fault. PD coverage pays for damage to another driver’s property caused by you or someone else driving your vehicle.