Every driver in Florida needs to know about uninsured motorist coverage in Florida.

Key Takeaways

• Uninsured Motorist Coverage: With many drivers in Florida uninsured or underinsured, this coverage can be crucial for protecting yourself.
• Stacking Coverage: If you own multiple vehicles, stacking your liability and medical coverage could enhance your protection.
• Check Your Umbrella Policy: Not all umbrella policies cover uninsured motorists—confirm this with your insurance agent to ensure full protection.

Why Uninsured Motorist Coverage Matters in Florida

In Florida, one in six drivers is on the road with no insurance at all. That statistic alone makes uninsured motorist coverage a key part of your auto insurance plan. But there’s more—many Florida drivers only have PIP (Personal Injury Protection) insurance, which provides limited protection for you if they’re at fault in an accident. This combination of uninsured and underinsured drivers makes it all the more important to have the right coverage to protect yourself.

Consider Stacking Your Coverage

If you own multiple vehicles, you might benefit from stacking your liability and medical coverage. Stacking allows you to increase your uninsured motorist protection by combining coverage limits from each vehicle. For example, if you have two vehicles with $50,000 in uninsured motorist coverage each, stacking could increase your total coverage to $100,000. This added protection can be invaluable in a state with a high rate of uninsured drivers.

Don’t Overlook Your Umbrella Policy

Many people have umbrella policies for additional liability protection. However, it’s important to note that not all umbrella policies cover uninsured motorists. Check with your insurance agent to see if your policy includes this coverage. If it doesn’t, it may be worth considering an adjustment or additional coverage to ensure you’re protected.

Take a few minutes to call your auto insurance agent and confirm that you have adequate uninsured motorist coverage. Whether it’s through stacking or ensuring your umbrella policy includes uninsured motorist coverage, these steps can provide an extra layer of protection.

For Florida drivers, the risk is real, so double-checking your policy today could make all the difference tomorrow.

Stay safe on the roads, and remember, protecting yourself starts with being informed!