If you have purchased uninsured or underinsured motorist coverage on your policy then your insurer acts as the insurance company for the “at fault” party. Uninsured motorist coverage is extra coverage that you buy but it is not required by state law. If you take the risks of not having uninsured motorist coverage you must sign an approved form which rejects uninsured motorist coverage. The state of Florida does not require people to carry bodily injury liability insurance. The law only requires that a person carry “No Fault” insurance and property damage liability. Therefore, someone who does not carry bodily injury liability insurance will not have to pay for your out-of-pocket expenses and pain and suffering. This is where uninsured motorist coverage comes into play and actually provides coverage to you as if the “at fault” party had bodily injury liability coverage. “UM” coverage, as it’s sometimes referred to, may apply to you as a passenger or under a relative’s UM policy.