Steering Through Uninsured Motorist (UM) Coverage in Florida
Topics: motorcycle accident, car insurance
If you have ever been in an accident with another driver who was either uninsured or underinsured, then you have probably learned the importance of having UM insurance in your policy.
According to the 2016 Florida Statutes Title XXXVII Chapter 627.727, uninsured motorist coverage is required to be offered within every motor vehicle insurance policy. However, this isn’t applicable for policies which provide primary liability insurance which covers liabilities, such as:
- Maintenance
- Operation
This chapter further explains how UM insurance works in Florida by stating:
“(2) The limits of uninsured motorist coverage shall be not less than the limits of bodily injury liability insurance purchased by the named insured, or such lower limit complying with the rating plan of the company as may be selected by the named insured. The limits set forth in this subsection, and the provisions of subsection
However, an insurer issuing such a policy shall make available as a part of the application for such policy, and at the written request of an insured, limits up to the bodily injury liability limits contained in such policy or $1 million, whichever is less.
However, an insurer issuing such a policy shall make available as a part of the application for such policy, and at the written request of an insured, limits up to the bodily injury liability limits contained in such policy or $1 million, whichever is less.
(C) Excludes liability coverage to a nonfamily member whose operation of an insured vehicle results in injuries to the named insured or to a relative of the named insured who is a member of the named insured’s household.”
As you read earlier, UM insurance is so highly regarded that Florida has made it a requirement for every policy to offer it.
Since auto insurance policies are typically prepared by your insurance company, you can often overlook the opportunity to check for UM coverage. Contact Lowman Law Firm today for a free consultation and to help you determine if you have UM insurance on your auto policy.
