Uninsured/Underinsured Motorist coverage is there to protect you in the event that you are struck by a vehicle that does not have insurance or the insurance is insufficient to compensate the injuries caused by the crash. It may also coverage what it is known as “phantom vehicle” which would include a hit and run where the at-fault party cannot be found or otherwise identified. In many ways, UM/UIM is the most important insurance you can purchase because Florida does not require BI insurance, which means many cars on the road do not have any insurance to pay for your injuries, even though they caused the crash. It is First Choice Law’s advice that everyone protect themselves by purchasing UM/UIM coverage.