Uninsured Motorist (UM) Coverage: You may be a terrific driver, but that says nothing about everyone else on the road. Very often, the other motorist in a car accident has: (a) very limited liability coverage; (b) no liability coverage (according to the Insurance Research Council, about 1 in 6 drivers in Florida have absolutely no coverage at all), I find this especially likely when people come to me looking for a hallandale car accident lawyer; or (c) cannot be identified (read hit and run). In any case, you want a UM policy that will cover the other accident-causing party’s insurance-coverage shortfalls. UM protects you, your passengers and other named persons on the insurance policy for injuries (up to your elected coverage amount) sustained in these situations. We highly suggest having as much UM coverage as you can afford. In fact, it is so important, your Florida auto-insurance provider is required by law to offer you UM coverage. In order to deny or waive UM, you have to actually sign a statement verifying that you are declining UM coverage on your policy. Many people do not realize when they do this. The car insurance agent will say, sign here, here and here, to get more affordable rates.