Hoping our in-house expert (Not-a-Charger) can answer this one;

I'm thinking of dropping my "Uninsured Motorist" coverage on my two older cars that aren't super valuable. I pay $600 a year just for this coverage, each car. I believe I'd be covered u to $10k and then have to sue in Civil Court. But if the car isn't worth more than $10k, what's the point? Medical should be covered by my medical insurance, right? State of Florida.