Often it’s only after a serious auto accident that families evaluate their insurance coverage. One important coverage that you and your family should not be without is Uninsured/Underinsured Motorist (UM/UIM) Coverage. This coverage pays you — the insured — for damages caused by another driver who doesn’t have any (or enough) bodily injury liability insurance. There is no requirement in Florida that drivers have to protect others by purchasing bodily injury (BI) coverage. It is estimated that nearly 25% of drivers on the road in Florida do not have any BI coverage at all! The best way to protect yourself and your family members is to purchase UM/UIM insurance coverage now, before you have an accident! Speak with your insurance agent today and insist on “stacked” coverage.