In Florida, UM protection pertains to the bodily injury of occupants in or on an insured vehicle. It is a valuable coverage that allows you to protect yourself against financial loss caused by an uninsured or underinsured party.
This coverage protects you from owners or drivers of vehicles who do not have insurance or the assets to compensate people who have suffered a loss through their negligent ownership, maintenance or use of an uninsured motor vehicle.
Coverage limits are available up to the same limits of bodily injury coverage provided on your policy. Coverage may be “stacked” or multiplied by the number of vehicles on your policy.
Higher limits of coverage are available including excess umbrella liability to further increase your protection.