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Uninsured motorist coverage, which insures you and your family for injuries when the motorist at fault is uninsured or underinsured, is more important in Florida than in most states. A study by the Insurance Research Council in 2009 found Florida to have more uninsured drivers than most states and that the problem was likely to get worse with the recession. That has certainly been our experience at CGWC The Florida Firm over the last 3 to 5 years. The incidence of uninsured and underinsured motorists seems more frequent than ever. That means many people who neglected to buy uninsured motorist coverage when they renewed their automobile insurance policies are unprotected. Many of them have come to our office for help that just isn’t there because of a lack of liability insurance and uninsured motorist insurance. Many have been the victims of tragedies as serious as fatal auto and motorcycle accidents. Don’t be penny wise and pound foolish when you renew your automobile insurance and don’t assume that “full coverage” means what it says. Ask your agent about uninsured motorist coverage, and make sure you buy it for your family.