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What is the purpose of obtaining uninsured or underinsured motorist coverage?

In Florida, it’s estimated that 20, 30 or even more percentage of drivers have no insurance, and if you have uninsured motorist coverage in Florida, you put your insurance policy in the driver’s seat of the at-fault vehicle. This gives you the opportunity to get compensated for your injuries, and I would advise you to buy as much uninsured motorist coverage as you can buy from your insurance company.