Florida has one of the highest rates of uninsured drivers in the United States — approximately 1 in 5 Florida drivers carries no insurance at all. When an uninsured driver causes an accident, your own insurance must pay for your losses. Uninsured and underinsured motorist (UM/UIM) coverage is one of the most critical — and most overlooked — protections on your policy.
What Does Uninsured / Underinsured Motorist Cover?
- Medical expenses for injuries caused by an uninsured or underinsured driver
- Lost wages and income replacement during recovery
- Pain and suffering compensation for serious injuries
- Funeral expenses in fatal accidents caused by uninsured drivers
- Hit-and-run accident coverage when the driver cannot be identified
- Passenger protection for family members and others in your vehicle
- Property damage coverage from uninsured drivers on some policy forms
- Coverage that stacks across multiple vehicles on some Florida policies
Stacked vs. Non-Stacked UM Coverage in Florida
Florida allows UM coverage to be ‘stacked’ across multiple insured vehicles. If you have three vehicles with ,000 UM coverage each, stacked coverage provides up to ,000 per occurrence. Non-stacked coverage limits you to ,000 regardless of how many vehicles you insure. Stacked coverage costs more but provides significantly greater protection.
Florida’s No-Fault Insurance and UM
Florida is a no-fault state, requiring Personal Injury Protection (PIP) that covers your own medical bills regardless of fault. However, PIP only covers 80% of medical expenses up to ,000 — well short of what a serious injury can cost. UM/UIM coverage protects you for amounts above PIP and for non-economic damages like pain and suffering that PIP does not cover.
Get Uninsured / Underinsured Motorist in Orlando, Florida
Insure USA, Inc. is an independent agency serving Orlando and all of Florida. We compare Uninsured / Underinsured Motorist options from multiple top-rated carriers to find the best combination of price and protection for your situation. Call us at (321) 235-7377 or request a free quote online.