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.
[Read more…]What is Stacking Coverage in Florida Uninsured Motorist Insurance?
Florida Uninsured Motorist Coverage
Does Uninsured Motorist Insurance Cover Motorcycle Accidents in Florida?
Uninsured motorist (UM) coverage may provide compensation to an insured who is injured while on a motorcycle.
Compensation may be for medical bills, lost wages, pain, suffering, mental anguish, loss of enjoyment of life, etc.) or wrongful death damages caused by the negligence of an uninsured motorist. [Read more…]
What is Uninsured Motorist Insurance Coverage?
Uninsured motorist (UM) coverage pays you for personal injury or wrongful death damages caused by the negligence of a driver of a motor vehicle that is uninsured.
You must be an insured under a policy that has UM coverage in order for UM coverage to apply. In Florida, uninsured motorist coverage is created by Florida Statute 627.727. [Read more…]
Uninsured Motorist Insurance Injury Settlements (Car Accidents)
Below are personal injury settlements that were paid by uninsured motorist (“UM”) insurers and underinsured motorist (“UIM”) insurers.
In these settlements, the careless driver didn’t have bodily injury liability (BIL) insurance, or didn’t have enough BIL insurance to pay for the claimant’s injuries. [Read more…]
Uber Uninsured Motorist Insurance Settlements (and Claims)
I’ve written a great deal about Uber accident settlements and claims. Here, I’ll focus on uninsured motorist insurance for Uber accidents. [Read more…]
Who is a “Resident Relative” for Florida Uninsured Motorist Coverage?
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? [Read more…]
What Compensation Can You Get from Uninsured Motorist Insurance in Florida?
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…]
UM Insurance and Setoff for Benefits a Claimant Gets in Florida
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…]
Who is a Class I insured in Florida Uninsured Motorist Coverage?
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…]
Is a New UM Rejection Required If You Add a Car or Renew an Insurance Policy?
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…]