Uninsured/Underinsured Motorist Coverage: The Most Important Coverage on Your Auto Policy in Coral Springs and South Florida

If someone without liability insurance injures you, there’s often no way to collect damages unless they have significant assets—which is rare. Florida’s Homestead Law even prevents forced sale of a person’s primary residence to satisfy a judgment. That’s why UM coverage is essential to protect you and your family.

UM coverage mirrors the limits of your Bodily Injury (BI) coverage. For example, if you purchase $50,000 in BI coverage, you can also purchase $50,000 in UM. However, there’s a way to increase your UM protection: stacking.

Stacking allows you to multiply your UM coverage by the number of vehicles insured in your household. If you have three cars and a $50,000/$100,000 policy, stacking turns that into $150,000 per person and $300,000 per accident in UM benefits. This additional coverage can be critical if you suffer serious injuries in a crash caused by an uninsured or underinsured driver.

If you don’t already have UM coverage, contact your insurance provider immediately. While not legally required in Florida, UM coverage could be the difference between financial security and ruin if you’re seriously hurt by someone without sufficient insurance. Don’t wait until it’s too late—protect yourself and your loved ones now.