Understanding UM/UIM Coverage in Florida
Uninsured and underinsured motorist coverage — known as UM/UIM — is one of the most important but misunderstood parts of an auto insurance policy. In a state like Florida, where many drivers carry only the bare minimum (or no insurance at all), having UM coverage can make the difference between being fully compensated or left with nothing after a crash.
At The Bonderud Law Firm, we help clients understand and access all available insurance benefits — including UM/UIM — after an accident. Here’s why this coverage matters and how it works.
What Is UM/UIM Coverage?
UM (Uninsured Motorist) and UIM (Underinsured Motorist) coverage protects you when the at-fault driver either has no insurance or not enough insurance to cover your injuries.
It steps in to pay for:
- Medical expenses
- Lost wages
- Pain and suffering
- Future care and loss of earning capacity
UM/UIM coverage follows you, not your vehicle — so it may apply even if you’re a pedestrian or passenger.
Florida’s Insurance System: Why UM/UIM Is Critical
Florida is a no-fault state, meaning drivers are required to carry Personal Injury Protection (PIP) — but PIP only covers up to $10,000 in medical expenses and lost wages.
Florida does not require drivers to carry bodily injury (BI) liability coverage — so if someone injures you in a crash, they may not have any coverage to pay for your damages.
UM/UIM is your safety net.
Stacked vs. Non-Stacked UM Coverage
✅ Stacked UM: Allows you to combine coverage limits across multiple vehicles on your policy. If you have $50,000 stacked UM on two cars, you may have up to $100,000 in coverage.
✅ Non-stacked UM: Coverage is limited to the policy limits on the vehicle involved in the crash.
Stacked UM typically provides broader protection — and often only costs slightly more.
How to Use UM/UIM After a Crash
- File a claim with the at-fault driver’s insurer
- If their coverage is insufficient or non-existent, file a UM/UIM claim with your own insurer
- Your insurer will evaluate the claim like an opposing party — and may dispute liability or damages
That’s why you should never deal with your own insurance company without legal representation.
Can You Sue Your Insurance Company for UM Benefits?
Yes — if your insurer wrongfully denies or undervalues your UM claim, you can sue for breach of contract. In some cases, you may also be entitled to bad faith damages.
UM/UIM Coverage: Your Lifeline After a Serious Crash
Don’t assume the other driver’s insurance will cover your injuries. In Florida, there’s a good chance it won’t. At The Bonderud Law Firm, we explore every available policy and fight to maximize your recovery — even when it means going up against your own insurer.
Contact us today to schedule a consultation and protect your rights after a crash.
