Uninsured And Underinsured Motorist Coverage
Ormond Beach, Daytona Beach, and Palm Coast, Florida
If you, a member of your family, or your designated driver is hit by an uninsured or hit-and-run driver, your uninsured and underinsured motorist coverage will provide protection and reimbursement if the at-fault driver has insufficient insurance to pay for your total loss. Thankfully this type of coverage will also cover you if you are hit as a pedestrian.
Auto coverage - stacked uninsured motorist
Florida law requires that a company add or "stack" uninsured coverage for multiple vehicles, unless otherwise rejected. A good illustration of this law is that if you as the insured have two vehicles then each will have an uninsured motorist limit of 50/100 ($50,000 per person/$100,000 per accident). This translates to mean you have up to $100,000 per person/$200,000 per accident available for a claim.