In Florida, drivers must have two types of insurance: personal injury protection (PIP) and property damage liability (PD). As you consider the optional coverage to include in your policy, Uninsured/Underinsured Motorist (UM) is one that offers important benefits. UM...

Many of us assume that we share the roadways with drivers who carry adequate automobile insurance. It’s the law, right? However, the minimum that the law requires leaves us very vulnerable. According to the Insurance Research Institute Council, in 2019 12.6% of...