Valid point...it's a risk. It's just so expensive, but then Florida also has an estimated 20% of driver's that are uninsured. It's not hard for me to believe either.
Unfortunately that is likely the case in more places than Florida which is why you should carry it. I also believe what UIM covers varies from state to state/ I sure our resident Ins. guy will chime in soon EDIT: Looks like I got Treed LOL
