Uninsured motorist coverage must be equal to or less than the bodily injury limits you selected for your policy. However, one way to add additional protection against uninsured or insufficiently insured motorists is to stack coverage.

Check out our Complete Guide to Florida Auto Insurance.

What is Stacking UM Coverage in Florida?

This means you can add the UM coverage together for each vehicle on your policy to determine the limit of your uninsured motorist coverage.

So for example, if you have policy with 50/100 limits. Remember, that means $50,000 per person and $100,000 per occurrence. Let’s say you have two cars on your policy.

That means you would get 50/100 for each vehicle on your policy. So your 50/100 policy would give you 100/300 ($100,000 per person/$300,000 per occurrence) in uninsured motorist coverage.

*If you need more help understanding the BIPD limits on your policy, check out our guide to Understanding Numbers on Your Florida Auto Policy.

What are the Benefits to Stacking Uninsured Motorist Coverage in Florida?

Florida has an abundance of uninsured drivers on the road. Over 20% of Florida drivers do not have liability insurance in place. Stacking coverages gives you extra protection in the event that an irresponsible driver without enough coverage does serious harm to you in an accident.

Electing to stack coverages gives you extra protection against all the bad drivers on the road. You can elect not to stack coverage for less money.

This is where we come in. We’ll walk you through a free review of your current auto policy and break down each part so you can make an educated decision on what is right for you.