Florida is a "no-fault insurance state.
You must have PIP and Liability to legally drive your car.
It is stongly encouraged that one gets uninsured motorist coverage.
I have no tickets, no claims, no accidents, yet my insurance premiums rise every year due to "uninsured motorists".
Why should I continue to pay for PIP and liability insurance?
How else do you expect insurance companies to make up for losses incurred as a result of natural disasters?.
"No-Fault" auto insurance means everyone gets screwed.
Mine too but it's not just unisured motorists. A lot is now the extreme high cost of many of the cars being driven. It's a bit unfair if someone is driving an older car that might have a blue book value of $2000 and others are driving cars that cost them $40,000 --- I believe liability is the same for both drivers so the cheaper car's driver would only get $2000 max if the other driver was at fault. It makes it very difficult for people forced into low wage jobs to afford insurance.