The short answer
Uninsured motorist (UM) coverage on your own policy pays for your injuries when the at-fault driver has no bodily injury coverage, too little, or cannot be found. Insurers must offer it, and you only go without it if you rejected it in writing.
Source: Florida Statutes § 627.727(1)
Quick check
Which situation are you in
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How it works
Three things to know about your UM
1
It follows you
UM usually covers you and your household in any car, and on foot or on a bicycle.
2
Stacking
Stacked UM multiplies the limit by the number of cars on the policy. Non-stacked costs less and must be chosen in writing.
3
Your own insurer
A UM claim is against your own insurer, which must handle it in good faith.
Making the claim
How a UM claim usually runs
- Step 1 Notify your insurer Give prompt notice of the crash and of a possible UM claim. Policy terms
- Step 2 Confirm their limits Find out what the at-fault driver carried. Florida Statutes § 627.4137
- Step 3 Settlement consent Before you settle with the at-fault driver, your UM insurer may have a right to be notified first. Florida Statutes § 627.727(6)
- Step 4 UM claim Your insurer evaluates the claim like the at-fault driver’s insurer would. Florida Statutes § 627.727
Common questions
Questions people ask about uninsured motorist coverage
Sources
What this page is built on
Items marked are waiting for a final check before launch.
Source: Florida Statutes § 627.727Source: Florida Statutes § 627.4137Source: Florida Statutes § 627.737Source: Florida Statutes § 624.155Source: Florida Statutes § 95.11
Keep reading
Where to go next
Editorial information
Who wrote and checked this page
- Written by: After Crash Florida content team
- Legal review: not performed, general information only
- Last reviewed: November 12, 2026
- Corrections: see the Correction Policy