Uninsured Motorist Insurance: Are You Covered In A Car Accident?

Florida Law can be very confusing sometimes even when it comes to your own auto insurance coverages and what is available or not available to you.  Many people have questions for their Personal Injury Lawyer regarding whether they are entitled to UM benefits and for what amount. 

What Is Uninsured Motorist Coverage?

As we have discussed before, UM benefits (Uninsured or Underinsured) provide compensation for injury and damages when the “at fault” driver did not carry any or did not carry enough bodily injury coverage.  UM benefits are sold in different amounts like $10,000, $25,000, $50,000 or more.

What Does Stacking Benefits Mean?

Most insurance companies also offer Stacking or Non-Stacking of UM benefits.  This means you can “stack” one amount of UM benefits on top of another.  This usually happens in two ways.

First, you may be entitled to multiple UM benefits under different policies or different insurance carriers. For instance, if you are a passenger in a vehicle that carries UM benefits and you have your own UM benefits under your personal auto policy, you may be able to stack the two coverages together.  The policies may determine which coverage is primary, secondary, or if they apply pro rata. 

The second most common scenario allows an insured to select “stacking” on your own UM policy.  This means the amount of your UM coverage is multiplied by the number of vehicles on the policy.  For instance, if you have $25,000/$50,000 in UM benefits and four vehicles on the policy, you are entitled to a total of $100,000/$200,000 in coverage.
 

Get a Free Consultation from a Spring Hill Car Accident Lawyer

If you or someone you know has been injured in a car, truck, or motorcycle accident and have questions about what auto insurance coverage you are entitled to receive, call us today.  We offer Free and Same Day Consultations to discuss your personal injury claim.