What is UM/UIM automobile coverage in Florida? What does "stacked" mean?
Uninsured/Underinsured (UM/UIM) insurance pays if you, your passengers, or family members are hit by someone who is "at-fault" and does not have insurance, or has insufficient liability insurance to cover the total damages sustained by you. This applies whether you are riding in your car, someone else's car or are struck by a car while walking. Uninsured Motorist Insurance pays for medical expenses, lost wages (beyond your PIP coverage) and for bodily injury, sickness, disease or death resulting from a motor vehicle accident that you and your passengers suffer.
When you purchase UM auto insurance, you want to elect to "stack" the coverage. This means that the limits of your UM coverage is multiplied by the number of vehicles on the policy of insurance.
An example of how having UM/UIM automobile insurance works in Florida.
Ms. Gator is driving home from work. Mr. Big Al runs a red light and hits the Gator car. Ms. Gator suffers serious and permanent injuries caused by Mr. Big Al's negligence. Ms. Gator's outstanding medical bills exceed $50,000, in addition to the lost wages of Ms. Gator for her time missed from work. Mr. Big Al did not carry Bodily Liability (BI) coverage. (In Florida, BI coverage is not required by law.) Luckily, Ms. Gator carried $100,000 in UM coverage, stacked by the two vehicles she has listed on her policy. Thus, Ms. Gator may have a total of $200,000 in UM insurance policy limits available to her for medical bills, lost wages, and because of the permanent nature of her injuries, pain and suffering. If Ms. Gator had not purchased UM auto insurance for her and her family, she would be in a desperate situation trying to pay for the $50,000 in outstanding medical bills, and having no way to recover her lost wages.
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