Unfortunately in the State of Florida, there are only two requirements to have an automobile legally registered to drive. These two requirements are (1) Property Damage and (2) No Fault (i.e. P.I.P. or Personal Injury Protection). In other words, there is no requirement as of today for Bodily Injury (BI) coverage. Thus, if you get injured by another party in an auto accident and they do not have Bodily Injury, you are in trouble!! Unless you protect your family with Uninsured Motorist (UM) coverage on your own policy! Check out other areas of this website for information regarding UM protection.