Core Florida Statutes

• Fla. Stat. §627.727 — uninsured and underinsured motorist coverage, stacking and nonstacking elections.
• Fla. Stat. §627.736 — personal injury protection benefits.
• Fla. Stat. §768.81 — comparative-fault framework.

Leading Florida Decisions

• Blanchard v. State Farm Mutual Automobile Insurance Co., 575 So.2d 1289 (Fla. 1991) — accrual of first-party UM bad-faith claims.
• Travelers Commercial Insurance Co. v. Harrington (Fla. 2014) — nonstacking UM election and policy exclusions.
• Coleman v. Florida Insurance Guaranty Association (Fla. 1988) — stacking where separate premiums were paid.

Florida auto claims often require simultaneous analysis of PIP, UM/UIM elections, comparative fault and insurer-remedy statutes. Check current statutory text, policy forms and later appellate treatment for every claim.

Publication review note — September 17, 2026. Confirm subsequent history, statutory amendments, effective dates and current policy language before reliance.