If there is one thing that we can all agree on these days, it is that car wrecks not only wreck your car, but also your day. And, your day becomes even worse if you find out the person that hit you does not have insurance or, if you later find out, that they do not have enough insurance. This is why you need uninsured/underinsured auto insurance.
Regular auto insurance
Depending on the type of insurance you have, you may have some coverage, even if the other driver is not insured (or underinsured). Collision coverage in Florida will cover the cost of your car repairs. And, your policy may also cover some of your medical bills if you have personal injury protection. However, your medical coverage may not be enough, and your health insurance will need to take over.
Your deductible for this accident will be the same as a normal collision, while an uninsured/underinsured auto policy may have lower deductible ($250). Your policy limitations will be different for both policies as well.
Uninsured/underinsured policy coverage
If you do not have collision coverage, uninsured/underinsured auto insurance becomes even more important. It can pay for the repair costs of your car and even the costs to replace items that are destroyed in your car. It also includes rental car coverage, and additional medical coverage for both you and any passengers.
But, that is not it. You can also recover the value difference in your car, if the car accident has negatively impacted the value of your car. And, it will even cover pain and suffering, like you would get in a lawsuit.
Keep in mind that your insurance company may still fight you on payouts, and you may need to seek help to get the payout you are entitled to and deserve.