Actually, I’ve written a book that deals with buying automobile insurance coverage in the state of Florida, and I would encourage you to request a copy of it—I’d be happy to send you a copy. But nevertheless, one of the most important things is, have the most insurance coverage you can possibly afford, because there are so many people who are indeed driving without either coverage whatsoever or that have only the minimum coverage that is required within the state of Florida. Unfortunately, the minimum coverage that is required in the state does not do anything for you if you’re involved in an accident with that person.
That’s why you need to have uninsured motorist coverage, because uninsured motorist coverage covers you if you’re involved in an accident where the other person either has no coverage or only has limited coverage. So…you can never have enough of that.