Uninsured motorist rates vary by state. The national average is 13 percent, with Maine at 4.5 percent and Florida around 27% in 2015. No matter where you live you have at least a 1 in 10 chance of being involved with an uninsured motorist and were not counting those who bought the cheapest insurance possible, the state minimum limits.
We suggest that you purchase Uninsured and Underinsured Motorist Coverage at least equal to your auto liability limit. This coverage protects you in the following ways:
It covers your direct medical costs, lost wages, impairments, pain and suffering, and certain costs that are limited or not covered by medical insurance such as deductibles, copays, retraining, and some living arrangements.
Don’t overlook this important protection, evaluate your policy limits.