While I'm no fan of Insurance companies, having an "incident" with an uninsured driver is something none of us should be saddled with. It has happened to me and to two people I know. The uninsured walked away without having to pay for squat in each case (and they were ALL the cause of the mishaps).
BTW, is that just Bikes that can go without insurance in the Sunshine State? Been a while since I've been there. Judging by all the Floriduh-tagged pastel Cadillacs I see in New England shuttling their Beige Orthopedic-wearing "gotta hit the Early Bird Special" types to and fro, I'd be carrying a full boat of insurance if driving in that state. Hell, I'd get PEDESTRIAN Insurance.