In Florida, Uninsured Motorist Coverage is an optional coverage you can purchase on your own auto insurance policy. UM pays you for injuries caused by an auto accident where the at-fault driver is uninsured (has no insurance) or under-insured driver (not enough insurance).

What is the Florida PIP statute?

for Auto Insurance. Florida is one of ten states that have personal injury protection (no fault) auto insurance. The intention was to provide injured drivers up to $10,000 in immediate medical coverage in lieu of establishing fault through the court system.

Do I need uninsured motorist coverage in Florida if I have health insurance?

No, you do not need uninsured motorist coverage in Florida if you have health insurance. Florida law does not require drivers to carry uninsured motorist coverage, though it’s still a good idea to buy it as an added layer of protection, even if you do have health insurance.

What is the maximum PIP coverage in Florida?

In Florida, the minimum and the maximum amount of PIP you can have is $10,000. To reduce the cost of your premium, you have several options. You can opt for a higher deductible — the maximum being $1,000.

What does PIP pay for in Florida?

Florida PIP covers medical costs, lost wages and death benefits. It can also pay for at-home services like laundry, house cleaning and pet care, if they’re necessary due to an accident.

What is uninsured motorist ( um ) coverage in Florida?

There are two types of uninsured motorist coverage – Non-stacked and Stacked. Non-stacked Uninsured Motorist Coverage in Florida: Non-stacked UM is cheaper than stacked UM It covers you when occupying vehicles listed on that auto insurance policy

What are the motor vehicle insurance laws in Florida?

627.727 Motor vehicle insurance; uninsured and underinsured vehicle coverage; insolvent insurer protection.—

What are the statutes for health care in Florida?

624.27 Direct health care agreements; exemption from code. 624.01 Short title.—Chapters 624-632, 634, 635, 636, 641, 642, 648, and 651 constitute the “Florida Insurance Code.”

Is there a limit on uninsured motorist coverage?

Typical uninsured motorist limits available on auto insurance policies are: If you want UM limits higher than $500,000, you can purchase an additional $1 million of uninsured motorist coverage on a personal umbrella policy. If you have questions, we recommend you talk to your agent about this.