Uninsured Motorist Coverage

In Florida, stacking UM Coverage happens when an insured adds uninsured motorist (UM) coverage from more than one source. 

There are two ways to stack.

When it comes to uninsured and underinsured motorist insurance claims, I’ve handled many of them.

Insurance companies have wrongly denied coverage. And I’ve gotten lowball offers too.

After handling many uninsured and underinsured motorist claims, I quickly realized how to increase my chances on getting the best settlement possible.

In this article, I’m going to show you everything you need to know about uninsured and undersinsured motorist insurance claims and settlements.

Let’s start by looking at some frequently asked questions (FAQs). We’ll then look at some of my many uninsured and underinsured motorist settlements.

I’ve written a great deal about Uber accident settlements and claims.  Here, I’ll focus on uninsured motorist insurance for Uber accidents.

If you live with a relative who has uninsured motorist (“UM”) insurance, you may be insured under his or her UM policy.  You may be covered for accidents where you would think you’re not covered.

Many motor vehicles are uninsured or underinsured.  Thus, UM insurance be your only source of compensation.

Who is considered a “resident relative” under UM coverage in a Florida auto insurance policy?

Uninsured Motorist coverage gives the same benefits as bodily injury (BI) liability coverage.  This means that you can get the same types of damages that you can recover against an at-fault driver or owner in a vehicle accident case. [Read more…]

In order to know how much money an uninsured motorist (“UM”) insurer owes you in a Florida car accident case, you must know what credits they may be entitled to. [Read more…]

Once you know who is insured under uninsured motorist coverage in Florida.  Now it’s time to learn what a Class I insured is and how it affects your case. [Read more…]

With so many uninsured drivers in Florida, your only source of compensation may be through uninsured motorist (“UM”) insurance.

Many drivers who have auto insurance didn’t purchase UM coverage.  If you’re lucky enough to be insured under a policy with UM, the limits often too low to cover your medical bills, lost wages, pain and suffering.

Your only hope may be that the UM insurer failed to get a UM rejection. [Read more…]

In order to understand whether you can have a case against your uninsured motorist (UM) auto insurer, you need to know what is considered an “uninsured motor vehicle.”

This is because you won’t be able to get damages from your UM auto insurer unless an uninsured motor vehicle is responsible for your injuries.

Florida Statute 627.727(3) states that an “uninsured motor vehicle” includes a motor vehicle that is insured and the liability insurer: [Read more…]