In Florida, insurance companies offer what is call uninsured/underinsured motorist coverage. What this coverage provides is protection for personal injuries that are caused by the negligence of a person with insufficient insurance to cover the costs. In order to be protected by this type of insurance, you have to carry it on your own policy. In the very small number of situations where a negligent driver is uninsured, your uninsured/underinsured motorist policy holder will be liable for the damages you incur. These claims often operate in exactly the same way as a normal personal injury case, with the difference being that you are recovering from your own insurance carrier. It is very important to remember in these situations that the representatives from your carrier are not out for your best interests. Just like every insurance adjuster, they will be looking to minimize the insurance company’s loss. Contacting an experienced personal injury attorney to represent you in these situations is the best way to ensure that you are protected.