Florida car accident resource
Florida uninsured and underinsured motorist (UM/UIM) coverage
Uninsured and underinsured motorist (UM/UIM) coverage is part of your own auto policy, not the other driver's. This page explains in general terms what it is meant to address, why written elections and stacking choices matter, and which documents to gather. It does not tell you what your policy covers.
Not legal advice. AnswerSignalApp is not a law firm or a medical provider and does not give legal or medical advice. This page summarizes, in general terms, what the official sources linked below say, and points you to them.
What UM/UIM is meant to address
Florida DFS describes UM coverage as paying you for accidental bodily injury, including death, from an auto accident when the at-fault party has no bodily injury coverage or has insufficient limits. DFS also notes that, unlike PIP, UM benefits are typically paid as a lump sum once the full extent of treatment is determined.
Why the policy language and elections matter
- Rejection or lower limits. Section 627.727 lets a named insured reject UM coverage, or select lower limits than bodily injury liability limits, in writing on a form approved by the state.
- Stacking. DFS explains that Florida law requires UM limits to be stacked across insured vehicles unless stacking is rejected in writing.
- Renewals. Section 627.727 addresses how earlier elections can carry into renewal or replacement policies.
Because of these choices, two similar-looking policies can work very differently. There is no universal UM amount or entitlement; the actual policy has to be reviewed.
Documents to gather for your own records
- The full auto policy and current declarations page.
- Any signed UM selection, rejection or non-stacking form.
- Other household auto policies, if any.
- The crash report number and the other driver's insurance information, if known.
- Medical bills and letters from any insurer.
Keep policy and claim numbers out of the intake form. For the bigger picture of coverages, see who pays medical bills after a Florida car accident.
Official sources for this page
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Editorial note: Sources and limits: Florida Statutes section 627.727 (rejection and lower-limit elections) and the Florida DFS personal automobile insurance overview (UM and stacking descriptions). It does not cover every UM provision or exclusion. It was compiled internally by AnswerSignalApp from the linked official sources and was not written or reviewed by an attorney. It is not legal advice. Official guidance can change after the review date. Last internally reviewed: October 19, 2026.
Related Florida legal resources
Informational guides only — not legal advice.
- Who pays medical bills after a Florida car accident?PIP, health insurance, MedPay, liability and UM/UIM as separate coverages.
- Florida hit-and-run accident checklistReport number, scene details, witnesses, cameras and a timeline.
- Florida PIP insurance explainedPIP benefits, limits, and how other auto coverages differ.
- When a Florida insurance adjuster callsWhat to note, whose insurer is calling, and asking for written follow-up.
- All Florida legal resourcesEvery guide, grouped by injury, insurance, criminal, records and lawyer topics.
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Florida UM/UIM coverage FAQ
- Do I have UM coverage?
- It depends on your policy. Section 627.727 allows a named insured to reject UM coverage or select lower limits in writing on an approved form. Your declarations page and any signed selection or rejection form show what was chosen.
- What does stacking mean?
- Florida DFS explains that stacking adds UM limits together across insured vehicles, and that Florida law requires stacking unless it is rejected in writing. Whether your policy is stacked or non-stacked depends on the elections made.
- How much will UM pay?
- This page cannot say. Amounts depend on the policy limits, elections, other coverage and the facts. Only the actual policy and a licensed professional's review can answer that.
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