Uninsured Motorist Coverage — Florida
Uninsured and underinsured motorist coverage pays for your injuries and vehicle damage when the at-fault driver has no insurance or insufficient coverage to pay your claim.
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What Is Uninsured and Underinsured Motorist Coverage Insurance?
Uninsured motorist coverage (UM) pays your medical bills, lost wages, and pain-and-suffering damages when an at-fault driver has no liability insurance. Underinsured motorist coverage (UIM) kicks in when the at-fault driver's liability limits are too low to cover your full claim. Both coverages protect you from out-of-pocket losses that would otherwise fall on you when another driver's insurance is absent or inadequate. Florida law does not mandate UM/UIM, so carriers exclude it unless you explicitly add it.
Who Needs Uninsured and Underinsured Motorist Coverage Insurance?
Carry UM/UIM if you cannot afford to pay your own medical bills and lost wages after a serious accident. Florida's high uninsured driver rate and low minimum liability limits mean the at-fault driver often has no coverage or insufficient coverage to pay your claim. If you have significant assets, a mortgage, or dependents who rely on your income, UM/UIM is the only coverage that protects you when the other driver's insurance fails.
Compare your UM/UIM limit to your health insurance deductible and out-of-pocket maximum.
How Much Does Uninsured and Underinsured Motorist Coverage Insurance Cost?
- Your county's uninsured driver rate—Miami-Dade and Broward counties have higher uninsured rates, which can increase UM premiums slightly.
- Stacking versus non-stacking coverage—stacked UM multiplies your limit by the number of vehicles on your policy, roughly doubling the premium.
- Your at-fault claim history—carriers price UM based partly on your likelihood of filing any claim, not just UM claims.
- Bundling with PIP or collision—some carriers discount UM when you carry personal injury protection or collision coverage on the same policy.
