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This resource discusses Uninsured motorist coverages

Resource TitleDescriptionRating
Non-Stacked UM - a $100,000 mistake I can hear some people thinking out loud now, “Is he EVER going to stop talking about the dangers of non-stacked UM?” The answer is, “Yes, of course. As soon as every motor vehicle liability policy in the state of Florida has UM limits stacked and equal to the BI limits.” Until then, I will keep “preaching the gospel!” 1 2 3 4 5
UM Form: A Costly Mistake The failure of an agency to be able to produce a properly signed uninsured motorist (UM) selection/rejection form is likely going to turn into an E&O claim involving a substantial amount of money. 1 2 3 4 5
UM On Business Auto Policies Why should a customer who has a Business Auto Policy (BAP) buy uninsured motorists (UM) coverage? 1 2 3 4 5
UM on Motorcycles "Someone told me that stacked uninsured motorist on a personal auto policy (PAP) will cover you on a motorcycle that you own but don't insure for UM. Is that correct?" 1 2 3 4 5
UM: Benefits Beyond Medical Bills

If I already have PIP coverage, auto medical payments coverage, health insurance, disability insurance, Medicare, or even workers' compensation coverage do I need uninsured motorist coverage



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Uninsured Motorist Coverage on Single Car Risks

Even with a single car risk, there is a coverage difference between the stacked and non-stacked UM forms which can affect whether the insured will be able to collect UM at all.

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Uninsured Motorist Coverage: An Agent Who “Gets It”

As someone who has presented seminars on insurance technical coverage issues for over two decades, it’s nice when someone attends a class and then lets me know that what was said made an impact on them.

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Uninsured Motorist on Antique Autos Several recent emails have pointed out the dangers of non-stacked UM, as well as the need to carry uninsured motorist (UM) coverage that is stacked on all owned autos, including antique autos. 1 2 3 4 5
Uninsured Motorist Selection Form: How Important Is It? Can a carrier require updated uninsured motorist forms when its already has signed UM forms? 1 2 3 4 5
Uninsured Motorists Less Than BI Limits Stacked = E&O While UM is not inexpensive in many parts of Florida, it is a valuable coverage that should be highly recommended to all customers. 1 2 3 4 5