do you know why people must carry auto insurance? it's to protect us against those who have no insurance..it's called "unisured motorists" coverage..florida is one of the highest states with 19% of uninsured motorists.
"Uninsured Motorist Coverage" is an optional coverage you can get WITH your auto insurance, which provides additional insurance should you be in a crash caused by an Uninsured Motorist.
the insurance mandate is unrelated, you could get Uninsured Motorist Coverage long before the mandates were imposed on us at the behest of the insurance companies.
Protip: in California, "Uninsured Motorist" policies specifically exempt the largest class of "Uninsured Motorists" from your coverage:
Government Vehicles!
if you get plowed by a cop car, a fire truck, a city bus, a federal state or local motorpool car, a Cal-Trans truck, or any vehicle with government plates your insurance company will NOT cover you, and youll have to sue the agency that runs the vehicle in question yourself.
government mandates everyone must have insurance... except themselves.
sweet.