Do I Need Uninsured Motorist - UM - Coverage In Florida?

Back Tail Ligth of Classic Car

Do I Need Uninsured Motorist - UM - Coverage In Florida? 

In most car accident cases, you would seek compensation from the other driver's insurance company, but what if the other driver doesn't have insurance. 

This is why having UM coverage is important. You purchase UM coverage through your own insurance policy and it protects you from a situation where the other driver doesn't have insurance or the other driver's insurance limits are too low to cover your damages. UM provides compensation to a person who is seriously injured or killed due to the negligence of an uninsured or underinsured motorist.

You are not required to have UM coverage in Florida and you can deny it when you sign up for your policy. However, it is a low cost coverage that can have a significant value if you are unfortunately seriously hurt in a car accident.

What Can I Do If I'm Hit By An Uninsured Motorist?

  • You can try to sue the person personally, but often if a person has no insurance, they probably don't have any assets either. 
  • If you have UM coverage, you then file a claim with your own insurance company.

What Is Stacking? 

Stacking is a way for you to get as much benefit as possible out of their UM coverage. A person under one insurance policy that owns two or more vehicles can combine or stack the coverage for each vehicle insured on the policy. 

For example, I have two vehicles. I have $100,000 in UM coverage on each vehicle and chose to have this coverage stacked, meaning I now have $200,000 in available coverage if I'm seriously injured by an uninsured or underinsured driver. It took me only a couple minutes to get this done. 

How Do I Check To See If I Have UM?

Most insurance companies have a client section on their website. You are looking for your policy's declaration page. This page will show you all the details of your coverage, including how much bodily injury coverage you have, if you have UM coverage and if your UM coverage is stacked. If you can not find a copy of this on your insurance company's webpage, call them and ask for a copy of your declaration page. 

If You Have Any Questions Regarding UM Coverage Or A Car Accident In Florida

Please contact Clifton Law Office, you can reach me at my contact page online or call me directly at 904-209-4883