Florida does not require ordinary drivers to carry bodily-injury liability, only PIP and property damage. That means the driver who hits you may have nothing to pay your injuries. For a motorcyclist with no PIP, UM/UIM is the backstop that carries th

Florida is a no-fault PIP state, but the law leaves motorcyclists out. Most Orlando riders have no PIP on the bike for their own medical bills after a wreck, and that gap shows up in the worst possible moment.