Written by attorney Joshua Allen Bradley

The question I wish more people would ask! How to properly insure yourself in Florida

What should I do after an accident? This is the question I get more than any other. However, this is the WRONG question to ask because that means you’ve already been involved in an accident. This guide will explain the importance of understanding Florida's auto insurance laws and your own policy.

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UM PRO TIP: As I said above, you can only get UM coverage that is matching or below the amount of Bodily Injury coverage you carry. However, there is a way to get around this if you own more than one vehicle by “Stacking” your UM coverage. What this will do is allow you to multiply your coverage amount by the number of vehicles on your policy. For example, if you own/insure 3 vehicles and carry Stacking UM coverage of $10,000/20,000 you would in fact have UM coverage of $30,000/60,000.

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