Non-stacked uninsured motorist (UM) coverage in Florida is a type of auto insurance coverage that protects you if you are injured in a car accident by an uninsured or underinsured driver. An uninsured driver is someone who does not have auto insurance, while an underinsured driver is someone who does not have enough auto insurance to cover the full extent of your injuries.
Non-stacked UM coverage limits the amount of coverage you can receive to the UM coverage limits for the vehicle you were driving at the time of the accident. This means that you cannot combine the UM coverage limits from multiple vehicles on your policy.
Benefits of non-stacked uninsured motorist coverage
- Non-stacked UM coverage is typically less expensive than stacked UM coverage.
Is non-stacked uninsured motorist coverage right for you?
Whether or not non-stacked UM coverage is right for you depends on your individual circumstances. If you live in an area with a low number of uninsured drivers, and if you have a low-value vehicle, then non-stacked UM coverage may be a good option for you.
However, if you live in an area with a high number of uninsured drivers, or if you have a high-value vehicle, then you may want to consider purchasing stacked UM coverage. This will provide you with more coverage in the event of an accident with an uninsured or underinsured driver.
How to purchase non-stacked uninsured motorist coverage
If you are interested in purchasing non-stacked UM coverage, you should contact your auto insurance company. They will be able to tell you whether or not non-stacked UM coverage is available in your state and how much it will cost.
In Florida, all auto insurance policies must include UM coverage unless the policyholder specifically rejects it. The minimum UM coverage requirements in Florida are $10,000 per person and $20,000 per accident. However, it is important to note that these are just the minimum requirements. Many experts recommend that policyholders have at least $100,000 in UM coverage per person and $300,000 in UM coverage per accident.
If you are unsure how much UM coverage you need, you should speak to your auto insurance agent. They can help you assess your needs and recommend the right amount of coverage for you.