What are Uninsured/Underinsured Motorist (UM) benefits and why are they important?
In Florida, Bodily Injury liability insurance is not required. UM benefits are benefits that will be paid by your own insurance company to compensate you for injuries sustained in a motor vehicle accident when the at fault driver is either underinsured or uninsured. Uninsured Motorist coverage covers bodily injuries to you and your passengers when the other person has no insurance or not enough insurance in a crash that is not your fault. Given the large number of uninsured motorists, this is very important coverage to have.
