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Do You Need Uninsured Motorist Coverage in Florida?

Have you or a loved one suffered damages or injury in a car accident with an uninsured motorist?

Let Vastola Legal fight for your rights. Click below to speak with an experienced Florida Personal Injury Lawyer and discover your options.

No, Florida residents are not required to purchase uninsured motorist coverage.

Keep in mind that choosing to forego Uninsured Motorist coverage could have serious financial consequences in the event you are involved in an accident with an underinsured or uninsured driver. UM coverage protects you financially if the driver that crashed into you does not have sufficient insurance coverage to pay for your injuries and damages. Before deciding on your coverage, carefully consider the potential risks involved.

What is Uninsured Motorists Coverage?

Uninsured motorist coverage helps pay for damages if you are in a car accident with a driver who does not have bodily injury coverage, or has very minimal bodily injury policy limits. Damages that uninsured motorist policies can compensate for include:

  • Property damages
  • Medical expenses, both present and future
  • Lost wages
  • Future loss of earning potential
  • Wrongful death
  • Pain and suffering
  • Disability costs

Florida is a no-fault auto insurance state. That means that all drivers are required to have a minimum of $10,000 in personal injury protection (PIP) insurance to pay for medical expenses and other accident-related damages, regardless of who’s at fault for the accident. PIP coverage protects the policyholder, their passengers, and any pedestrians involved in the accident.

Florida residents must also have a minimum of $10,000 in Property Damage Liability (PDL) auto insurance.

FAQs About Uninsured Motorist Coverage

Q: Is Uninsured Motorist (UM) Coverage a Must in Florida?

No. But given Florida’s high rate of drivers without insurance, it’s strongly recommended to have uninsured motorist (UM) coverage and/or underinsured motorist (UIM) coverage. This safeguards your financial well-being in case of an accident.

Q: What’s Covered by UM in Florida?

Uninsured motorist (UM) coverage in Florida steps in to help cover medical expenses, lost wages, and other damages stemming from accidents caused by drivers without insurance or with insufficient coverage. This includes hit-and-run incidents.

Q: Can You Opt Out of UM Coverage in Florida?

Yes, you have the option to decline UM coverage in Florida. However, it’s crucial to do so in writing, using a state-approved form provided by your insurance company. This ensures proper documentation of your decision.

Q: Is UM Coverage Necessary if You Have PIP in Florida?

While Personal Injury Protection (PIP) takes care of some medical expenses, UM coverage in Florida provides an extra layer of protection against financial losses when dealing with an at-fault driver who lacks sufficient insurance. It’s like an added safety net for your peace of mind.


If you’re wondering: “Do I need uninsured motorist coverage in Florida?” you may want to speak with an attorney.

If you or a loved one has been injured in a car accident in Florida, you should speak with a skilled, experienced, and proactive Florida personal injury lawyer as soon as possible because you may be entitled to compensation. We offer free legal consultations, and we’re here to help you.

Please don’t hesitate to contact us on our website, or you can call Attorney Jeff Vastola anytime 24/7 at 833-827-8652 to schedule your free consultation by phone.

When you schedule a consultation at our law firm, you will get a consultation with an experienced Florida car accident lawyer, not a customer service representative or intake person. 

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