When someone is injured in a Florida car accident, determining their insurance coverage and potential recovery amount is essential. However, the process may be more complicated when the at-fault driver does not have insurance. Uninsured motorist (UM) coverage and insurance stacking can come into play and help pay for accident-related expenses when a person is hit by a driver without insurance. While Florida law allows for insurance stacking after an accident, there are limitations depending on the type of insurance issued and the specifics of the accident.
In Florida, insurance stacking is often used to increase a person’s uninsured motorist coverage by combining the limits of each policy on every car insured. For example, if a motorist has stackable UM coverage on a car for $30,000 and stackable UM coverage on a different car for $60,000, they can stack their coverage limits for a combined coverage of up to $90,000 in case of an accident with an uninsured driver. Stacked UM coverage can be helpful to ensure a person’s full expenses are met, as it provides protection whenever or wherever the insured person is injured by an uninsured motorist.
On the other hand, non-stacked UM coverage does not allow the combination of policies, and the UM coverage is solely for the amount listed on each policy. If a person has a non-stacked policy limit for $30,000 for one vehicle, that is the maximum amount the person could collect after an accident. Because of its limited scope, non-stacked UM coverage is often less expensive.