UM Coverage – Get It Now!
Uninsured or Underinsured Motorist coverage (UM / UIM) is not mandatory but provides protection to you, resident relatives, and passengers in your vehicle if involved in a crash with someone who has no liability coverage or not enough insurance to cover your damages.
UM coverage comes in two forms – “Stacked” or “Unstacked.” Simply stated, “Stacked” multiplies your limits for this coverage by the number of cars you are insuring. For example, if you have 2 cars in your household and choose “Stacked” coverage, the UM benefit amount is multiplied by 2. Although this increases your premium, the UM benefits double, thereby providing you with added personal protection. Most important, Stacking allows you to expand UM/UIM insurance coverage for a loss if you are in a vehicle other than your own. “Unstacked” limits you to what is documented on the declarations page, regardless of the number of vehicles you own or have insured.
In Florida, failing to have UM/UIM coverages is taking a substantial risk that if you or a loved one is in a motor vehicle crash that you will be left with no recourse for your injuries, pain and suffering, and other damages. Over 50% of Florida drivers have no liability coverage or very little coverage, which means if they cause a crash and you are injured by them, there is really nothing you can do to cover your damages. UM/UIM protects you against the risk of harm caused by these uninsured/underinsured drivers.
If you are getting a new policy or are about to renew your policy, remember to ask about “Stacked” UM coverage! If you have questions about Uninsured mMtorist coverage, please call our office at 561-366-9099. We would be happy to assist you.
