There are several types of insurances when one is involved in an automobile accident.  However, one area that I see missing from lots of people is the "Uninsured/Underinsured Motorist" (UM) coverage.  Down here in South Florida, it is one of the most over-looked coverages by people for protection.  Usually most people do not even understand what UM coverage is.  Please listen to this video to learn more about this topic.