Uninsured Motorist Coverage — Florida
Uninsured Motorist Coverage pays your medical bills and lost wages when you're hit by a driver with no insurance or insufficient liability limits.
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What Is Uninsured Motorist Coverage Insurance?
Uninsured Motorist Coverage pays for your injuries and property damage when the at-fault driver has no insurance or their liability limits are too low to cover your losses. It covers medical expenses, lost wages, pain and suffering, and in some states vehicle damage. The coverage activates after the other driver's liability insurance is exhausted or confirmed absent. Florida offers it as optional coverage — carriers must offer it when you purchase a policy, but you can decline it in writing.
Who Needs Uninsured Motorist Coverage Insurance?
You need this coverage if you're reinstating after a suspension and your assets or income exceed what you could afford to lose in a crash caused by someone else. Florida's high uninsured driver rate makes this especially relevant if you commute in Miami-Dade, Broward, or Hillsborough County, where 1 in 4 drivers carries no insurance. It's critical if you're required to carry SR-22 but can only afford minimum liability limits — those limits protect the other driver, not you.
Compare the annual premium to your out-of-pocket health insurance maximum and three months of lost income.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Whether you add Uninsured Motorist Property Damage coverage as a separate endorsement.
- Your county's uninsured driver rate — Miami-Dade and Broward County drivers pay more due to regional risk.
- Whether you stack coverage across multiple vehicles on your policy, which doubles or triples the base premium but multiplies your available limit.
- Your own driving record and claim history — carriers price this coverage based on your likelihood of filing any injury claim.
