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I believe the correct answer for the UIM insurance is optional in most states and not a requirement. this is to cover damages to vehichle and person in the incident of a collision which is not ruled as your fault, when the other driver is at fualt. As for good advice it should be carried on all your policies to protect you from having claims against your normal insurance coverage in such cases where you are not At Fault. In the state of Florida it might be a requiem since there are a large number of unisured motorist in existance there.
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