Sadly, insurance companies do not always sell coverage to drivers that covers the consequences when their negligence hurts someone. Some of the major insurers that advertise may try to “save the driver money” by providing this very limited insurance coverage. So, you could be a victim twice. The other driver may carelessly injure you. And, they may have no insurance, called bodily injury liability coverage, to pay for your medical bills and suffering. Protect yourself. Buy uninsured motorist coverage. Also, tell your representative that you want Florida law to require bodily injury liability coverage to protect all of us from being a victim twice.