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Florida Car Insurance 101: Part 4 – Why Does It Matter If You Elect To Purchase Stacked Uninsured Motorist Coverage?

According to the Insurance Information Institute, Florida is the sixth-highest state with the most uninsured drivers, at 20.4 percent. Uninsured (UM) and underinsured (UIM) motorist insurance kicks in to cover the costs of being involved in a car accident when the other driver has little or no insurance.

What is UM Coverage And Why Should You Have It?

This is obviously a concerning fact when you consider that most people have the minimum amount of insurance coverage and it seems that those drivers are the ones that cause most of the car wrecks in Florida. This again means that you should always purchase as much uninsured or underinsured motorist coverage as you can afford.  This coverage is also known as “UM” or “UIM” coverage.

The reason UM coverage is so important is that it functions just like the injury coverage bought by the at-fault driver. So, if you are in a wreck and the at-fault driver is like most in Florida and has either no coverage or a small amount of coverage and your injuries are serious, then UM coverage will provide coverage for the other driver’s negligence.

We have written and spoken at some length about the necessity of purchasing uninsured motorist coverage. The basis for this advice is that most drivers in Florida have only the minimum required insurance.  This means that most drivers have ZERO coverage for car wreck victim injuries, and this is completely legal. In Florida, you are only required by law to have $10,000.00 in property damage liability coverage and $10,000.00 in personal injury protection coverage (which is coverage that pays for the policyholder’s car wreck-related injuries).

So, most Florida drivers will have no coverage for the injuries they cause to you and your loved ones. It is imperative that you secure the most uninsured motorist coverage that you can afford.

Stacked vs. Non-Stacked Coverage

Since we have covered the basis for uninsured motorist coverage, we now should discuss how “stacked” uninsured motorist coverage works. So, when you elect to have uninsured motorist coverage, you are also going to be given the option to have “stacked” or “non-stacked” uninsured motorist coverage.


Stacked insurance essentially increases the amount of uninsured motorist (UM) and underinsured motorist (UIM) coverage dependent on the number of vehicles insured. In Florida, drivers have the option to stack policies within one policy or across multiple policies.

An example of stacking across multiple policies:

Assume you have two separate insurance policies for two different cars, and each has $60,000 of UM bodily injury (UMBI) coverage. If you are in an accident with an uninsured driver and choose to stack your coverage, you can increase the limit to $120,000 to cover medical and/or property payments in excess of the $60,000 policy limit, assuming both vehicles are registered in your name.

An example of stacking within one policy:

Assume you have four cars each with $40,000 of UMBI coverage. If you are involved in an accident with an uninsured driver, you will be able to combine the coverage of all three vehicles under the policy, giving you $160,000 in coverage instead of just $40,000 for one car.


If, however, you buy uninsured motorist but elect to have “non-stacking” coverage or you only have one car in your household, then purchasing $100,000.00 will result in you having only $100,000.00 in coverage. This is true even if you have multiple cars in the same family.

There is an additional premium for “stacked” uninsured motorist coverage, but relatively speaking, the cost is quite minimal considering the large difference in the amount of coverage that is provided if you are in a situation where you need to utilize that amount of coverage. Stacked insurance essentially increases the amount of uninsured motorist (UM) and underinsured motorist (UIM) coverage dependent on the number of vehicles insured. 

In Florida, drivers have the option to stack policies within one policy or across multiple policies.

The Pros and Cons of Stacking Coverage:


You have higher coverage limits after an accident caused by an uninsured or underinsured driver without raising your liability limits.


Results in higher monthly premiums.

However, keep in mind that if you can afford to pay the higher premium, in the long run, if you were to get into an accident with an uninsured driver, it would be much more beneficial than paying out of pocket for all the incurred expenses.


If you have questions about UM/UIM coverage as it relates to your Florida automobile policy, you can contact us on the web at or call 855Hirejoe.

Joe Zarzaur is a Board Certified Civil Trial Attorney whose firm is dedicated to promoting community safety since 2007. ZARZAUR LAW’S AREAS OF PRACTICE: Serious Personal Injury, Product Defect, Auto Accidents, Cycling Accidents, Motor Vehicle Accidents, Products Liability, Wrongful Death, Community Safety, Boat and Jet Ski Accidents, Slip and Fall Injuries, and more. Licensed in Alabama and Florida.

It is also important to consult with a Board Certified Trial lawyer who has the knowledge and experience to help you. We know accidents can be stressful and want to make the process as easy as possible for you. Call Zarzaur Law, P.A. today at (855) Hire-Joe for a free legal consultation or visit