Uninsured Motorist Uninsured motorist coverage is a protective policy that goes on your own insurance. UM, coverage, as it is sometimes called, is immensely important, especially in Florida, because drivers are not mandated to carry bodily injury coverage (liability coverage). This means that if you are hurt due to another driver, and did not carry bodily injury coverage, you would need to rely on your own UM coverage to pay for expenses and damages that aren't covered by your personal injury protection policy. Importantly, you can elect to reject UM coverage, and by doing so, you are taking a risk that if you are harmed by someone else's driving and they do not carry liability coverage, you will not have any additional coverage to utilize. If you carry UM coverage and need to use it, your insurance carrier will step in the shoes of the defendant driver as if they were the bodily injury carrier and handle the claim in the same method. This means that litigation may be required against your own insurance if they are not willing to settle your claim for the fair value of the claim. Spinner Law Firm handles UM cases on a regular basis and if you're in a situation in which the defendant driver did not carry any bodily injury coverage, call us for a free consultation.