Uninsured motorist coverage in Florida is an elected coverage type that provides you with compensation if you are in a crash with a hit-and-run driver, or a driver who is otherwise uninsured or under-insured. As a driver in Florida, it is crucial that you elect to purchase as much uninsured motorist coverage that you can afford to protect yourself and your family, as other motorists you share the road with are chronically under-insured.