“uninsured motorist” - we have the same coverage in California.
I’m sure it’s an add-on in many states or all...
A lawyer friend told me years ago it was the most important insurance to have in a state with a large number of drivers not carrying car insurance... (And Florida’s a ‘no-fault’ state...) She explained the ‘whys’ (most I’ve forgotten) but since it’s not that expensive I’ve always added it - - and encourage my kids and grand kids to do the same....