FLORIDA AUTO INSURANCE GUIDE
Florida Uninsured & Underinsured Motorist Coverage
Florida Statute § 627.727 requires UM/UIM coverage when a motor-vehicle liability policy provides bodily-injury liability coverage, unless the named insured rejects UM coverage in writing or affirmatively selects lower limits as permitted by statute.
- First determine whether the policy actually provides bodily-injury liability coverage.
- Obtain the UM/UIM selection or rejection form and verify the limits elected.
- Identify all persons who qualify as insureds under each potentially applicable policy.
- Review stacking or nonstacking elections, settlement, subrogation and policy-priority provisions before closing the liability claim.
Primary Florida Source
Fla. Stat. § 627.727 — UM/UIM Coverage
Current-law review: September 16, 2026. UM/UIM availability depends first on whether BI liability coverage exists and on the insured’s written election.
VictimsGuide 