Even with mandatory insurance, Florida still has a high rate of uninsured and underinsured drivers. That’s why uninsured/underinsured motorist (UM/UIM) coverage is essential for protecting yourself and your loved ones.
Florida’s no‑fault system and the basics of UM/UIM
Florida is a no‑fault state—every driver must carry $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL) to register a vehicle.
UM/UIM coverage steps in when the at-fault driver lacks sufficient insurance to cover your medical and repair costs. Florida law requires auto policies with bodily injury liability to also include UM coverage—unless you sign a written rejection.
How much UM/UIM coverage should you carry?
By statute, your UM/UIM limits must be at least equal to your bodily injury liability limits.
You may elect higher limits up to $1 million if your insurer offers them .
One policy vs. multiple vehicles: stacking is important
Florida offers two UM options:
Stacking increases protection but is only available if you explicitly opt in—Florida statutes require a clear written selection.
What counts as an uninsured or underinsured vehicle?
Florida considers a vehicle uninsured/underinsured if:
Recovering damages with UM/UIM coverage
If injured by an uninsured/underinsured driver, or if their insurance is inadequate, your UM/UIM policy covers your damages up to your policy limits. You may also recover:
