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What is the purpose for obtaining uninsured motorist or underinsured motorist benefits?

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Well, the purpose is that perhaps 50% of the drivers in the state of Florida do not have insurance, so you must get insurance, our firm thinks, of this type, uninsured or underinsured. If a vehicle hits you and they have no insurance and you buy uninsured coverage or underinsured coverage, you can go to your own insurance company and seek the damages that you have, so it behooves you to get as large amount of coverage as you can of that type of coverage. It’s very important. A lot of people don’t get that coverage, but we certainly counsel our clients to make sure they have that coverage to avoid a situation where when there’s an accident and someone doesn’t have insurance, then you can’t collect.

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