Uninsured motorists coverage provides a source of recovery for occupants in a covered auto who are injured in an accident caused by an at-fault driver with no auto insurance or insufficient auto limits.

I can not stress the importance of adding uninsured motorists coverage to your commercial auto policy. This coverage is optional, but I strongly recommend it. You would be surprised by the amount drivers in Florida who do not have auto insurance at all, not to mention the amount of drivers that have minimal amounts of liability. With today’s hospital bills and legal fees on the rise it does not take much to exhaust the limits of one’s auto policy. Having this coverage will provide more protection for you on the road. I also recommend that you purchase the same amount of uninsured motorists coverage as your liability limits. You are not able to purchase more than your current auto liability limits. This is also something to consider when you are setting the limits for your auto liability.

To sum up: you are not adequately covered unless you purchase uninsured motorists coverage with your auto policy.

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