Florida has the highest rate of uninsured drivers. Up to 25% of drivers on Florida roadways are uninsured or underinsured. What this means is that if you sustain a whiplash injury as a result of the negligence of an uninsured driver, you’ll be responsible for all related medical and auto repair bills. To avoid getting stuck with massive insurance bills, it is wise to carry uninsured motorist coverage in addition to your regular auto insurance.