Uninsured Motorist Coverage Florida

Florida law addresses uninsured-motorist coverage, written rejection or selection of lower limits, and permitted limitations in section 627.727.

Have the agent explain the difference using the actual quote and selection form. Do not multiply a number by the vehicle count and assume the result applies in every situation.

• Who is named on the policy and who lives in the household?
• Which vehicles are included in the quote?
• What selection or rejection form is being requested?
• How would the wording apply while riding in another vehicle?

If an option is added, removed, or changed between quotes, have that difference explained. Keep copies of the final declarations and any signed selection forms.

Look for uninsured motorist information on the declarations and application documents. Ask whether the quote reflects the selection you intend, including any rejection or lower-limit choice. Do not assume a familiar premium means the same coverage was selected. If the paperwork is unclear, ask for the choice and its consequences to be explained before signing.

Tell the agent about the drivers and vehicles involved, then ask how the proposed policy applies to those circumstances. Stacked and non-stacked choices need a specific explanation rather than a universal formula. Keep the comparison tied to the actual policy wording and selections. A broad online example cannot determine the outcome of a future accident involving a particular person.

When vehicles or household drivers change, revisit the selection instead of assuming last year’s arrangement still answers the question. Keep any signed selection documents with the policy. Ask how the current quote differs from the renewal or another option under consideration. A call can clarify the information needed, but the final policy and written selections should be checked before relying on them.