Uninsured motorist (UM) coverage pays for your injuries when the at-fault driver has no insurance or too little of it. Florida does not require bodily injury liability, so many drivers on South Florida roads carry only the state minimum. UM coverage protects you and your family from paying the difference yourself.
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Insurance Risk Advisors compares coverage from multiple A-rated carriers for Broward, Miami-Dade and Palm Beach County.
What does uninsured motorist coverage pay for?
UM coverage helps pay medical bills, lost wages and pain and suffering when the driver at fault cannot pay. It can also apply in many hit-and-run situations.
It works alongside your PIP. PIP pays first, and UM can step in for costs above your PIP limit when another driver is responsible.
What is stacked vs. non-stacked UM coverage?
Stacked coverage lets you combine the UM limits for each car on your policy. With two cars and $50,000 of UM each, stacking can give you up to $100,000 of protection.
Non-stacked coverage costs less but limits you to the coverage on one vehicle. The right choice depends on how many cars you insure and your budget.
Want to compare your options?
We shop several carriers so you can see real prices side by side.
Can I reject UM coverage in Florida?
Yes, but you must reject it in writing. Before you do, compare the small savings with the risk. A serious accident with an uninsured driver can lead to large medical bills.
We can quote several UM limits side by side so you can make the decision with real numbers.
Frequently Asked Questions
Is uninsured motorist coverage required in Florida?
No. Florida insurers must offer it, but you can reject it in writing.
Does UM cover damage to my car?
UM bodily injury covers injuries. Damage to your car from an uninsured driver is usually handled by collision coverage or a separate uninsured motorist property damage option where offered.
How much UM coverage should I carry?
Many drivers match their UM limit to their bodily injury liability limit. A broker can help you choose a limit that fits your budget.
Get your free quote today
Request a quote online or call our Sunrise office. Insurance Risk Advisors has served South Florida for more than 35 years.
