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

The purpose for obtaining uninsured or underinsured motorist coverage in Florida is to cover you in case you get hit by a driver that has no liability insurance for injuries. Unfortunately, the state of Florida does not require a driver to carry any coverage for liability coverage, so it is particularly important to carry this uninsured motorist coverage because then that will then allow you to make a claim for your pain and suffering for your injuries even if the other party has no insurance. Or in the circumstance of if they had very low insurance, this underinsured motorist coverage can then allow you to make a claim for pain and suffering against your insurance company after you’ve recovered any limited liability coverage the at-fault may have.