It is not required in all states - Florida being one of the ones where it is not required. Actually, I think only something like twenty states require uninsured coverage. And that required coverage is for bodily injury with a much lower number of states that require it for property.Its the law to have $25k uninsured motorist coverage here in Oregon, is that optional in FL?
For what it's worth, Oregon only requires uninsured coverage for bodily injury, not property damage. Here's a quick table I found from Allstate:
STATES THAT REQUIRE UNINSURED AND/OR UNDERINSURED MOTORIST COVERAGE
|State||Uninsured Motorist Bodily Injury Coverage Required?||Uninsured Motorist Property Damage Coverage Required?||Underinsured Motorist Bodily Injury Coverage Required?|
|DISTRICT OF COLUMBIA|
I have no skin in the game and don't work for the insurance companies. I'm just one of the lucky ones that was involved in an accident (not at-fault) over two years ago that still has not been settled. I'm just preaching because it is a pain. The at-fault had minimum coverage - my insurance is the one footing the majority of the bill (because I had good coverage including uninsured and under-insured). I've been with State Farm since day one.