Why Uninsured Motorist Coverage is Essential for Florida Drivers

Florida’s Uninsured Motorist Problem

Did you know Florida ranks among the top states for uninsured drivers? Nearly 20% of motorists lack coverage—that’s 1 in 5 drivers on the road. While Florida’s no-fault PIP system covers your injuries regardless of fault, it won’t help if an uninsured driver totals your car or causes other property damage.

How Uninsured Motorist Coverage Protects You

Uninsured Motorist (UM) coverage fills critical gaps when an at-fault driver has no insurance. In Florida, UM policies typically cover:

• Medical expenses exceeding your PIP limits
• Lost wages and pain/suffering (not covered by PIP)
• Vehicle repairs or replacement costs

Unlike PIP, UM is optional—but given Florida’s high-risk roads and frequent hit-and-run accidents, our agents at Tomlinson & Co strongly recommend it. Pair it with home insurance for comprehensive protection.

Affordable Peace of Mind

UM coverage often costs less than $100/year. For comparison, the average Florida driver pays $3,183 annually for full coverage—adding UM is a small price for major financial security. Commercial drivers should also explore commercial auto UM options.

Call 800-616-1418 or get a free quote online to customize your UM coverage today.