Uninsured Motorist Car Insurance explained by Florida Lawyer Matt Powell

This video explains how and why Uninsured Motorist Insurance is the best insurance you can buy to protect you and your family.
Stacked Uninsured Motorist Insurance is the best type of UM insurance to protect you and your family.

Here is how Uninsured Motorist insurance works. It will pay for your damages if you get in an accident with an at fault driver who does not have ANY Bodily Injury Insurance, which is called an Uninsured Motorist. Or it will pay when the at fault driver does not have ENOUGH Bodily Injury Insurance to cover your losses, which is called an Underinsured Motorist.
In Florida, motorists are not required to carry Bodily Injury Insurance. About half the cars on the road don’t carry Bodily Injury Insurance. This is why UM insurance is so important to have. If you get in a wreck with someone who does not carry enough Bodily Injury Insurance and you don’t have Uninsured Motorist insurance, you will likely be out of luck when it comes time to recover for your injuries because there will be no or not enough insurance to pay you for all of your losses.

The difference between Stacked UM and Non-Stacked Uninsured Motorist Insurance is that when you own more than one car, and you can purchase Stacked UM insurance and you get to add or “Stack” the Uninsured Motorist insurance policies. For example, if you own two cars, and have coverage of one hundred thousand dollars per car, and you are in a wreck, then you can stack the two coverages and receive up to two hundred thousand dollars.
People ask me why they want Stacked Uninsured Motorist insurance when they only own one car? The answer to this question is the Most Important reason why you want Stacked Uninsured Motorist Insurance coverage.
Stacked Uninsured Motorist should be called “Follow” UM coverage. Because when you have Stacked UM insurance, even on just one car, the coverage follows you wherever you go. For example, if you have Stacked Uninsured Motorist Insurance and you are Driving someone else’s car and get in a wreck, your UM follows you and you are protected. It follows you when you are a passenger in someone else’s car too. If you are a pedestrian, or riding a Bike and a car hits you, you are still covered since your Stacked Uninsured Motorist coverage follows you. So Stacked means it follows you everywhere. My friend says stacked uninsured motorist insurance will protect you if you are in a submarine and a car hits you. Just joking, but true.
Now if you only carry Non-Stacked UM, then you can only recover benefits from your policy if you are in a wreck while in Your insured vehicle. It does not “follow” you like Stacked.

And the other benefit of Stacked UM insurance, is that whatever the UM policy limits are for each of your cars, the limits are added together, or “Stacked” on top of each other. This is where the term Stacked comes from. So, five cars, with one hundred thousand dollars of Uninsured Motorist Insurance on each car, will provide you and your family with five hundred thousand dollars worth of coverage.
Some people say, “well, I have disability insurance, and I have health insurance, so why would I want Uninsured Motorist Insurance too? ” The answer to that is simple.
Let me give you an example. Let’s say you are injured in a car crash the winshield breaks and the glass fragments cause you to lose vision in both eyes.
Well, your medical bills will be paid by your health insurance (if you have it). And your disability insurance will pay you two thirds of your lost wages until retirement (if you have disability insurance). But you won’t get a single Penny for the non-economic damages you suffered, such as the loss of your ability to enjoy life. You would not recover one cent to help you cope with the loss of your vision. You would recover nothing for the added expenses of being blind, being unable to drive a car, all the losses of being blind.
And it is important to be aware that most auto insurance companies don’t like to sell Uninsured Motorist insurance. The State of Florida requires insurance companies to make you sign a form rejecting Uninsured Motorist insurance if you don’t want to buy it. The insurance agents usually don’t explain the Uninsured Motorists Insurance very well, and may say to you “we will give you Full Coverage”” . But what they really mean by this, is that they are selling you the Minimum Insurance required by Florida Law.
So don’t be fooled by the term “full coverage”. Make sure you get Stacked Uninsured Motorist insurance coverage to protect you and your family.
When you ask your insurance agent about purchasing UM insurance, you will be told that you can only buy as much Uninsured Motorist insurance as you carry in Bodily Injury Coverage. That is correct statement.
Another important fact, insurance policies differ, so you must read yours to find out exactly what is and is not covered.

20 thoughts on “Uninsured Motorist Car Insurance explained by Florida Lawyer Matt Powell

  1. Justin Ziegler

    Awesome video. Very professionally done. This is not legal advice but I would just add the following:

    As you explained insurers may offer policies that prohibit stacking and limit coverage to the vehicle occupied by the insured at the time of the accident. {F.S. 627.727(9) (a)-(9)(b).}

    Under this coverage, which you refer to as "nonstacked coverage," if the insured is occupying a nonowned vehicle, the insured may recover under the policy covering the occupied vehicle and, as excess, under the policy affording the highest coverage to the injured party as a Class I insured. F.S. 627.727(9)(c). If not an occupant of a motor vehicle at the time of the accident, the insured may select the coverage on any one vehicle under a policy providing coverage. F.S. 627.727(9)(e).

  2. LordGryllwotth

    Shit! Uninsured? Hard to understand! I have some kind of unlimited health insurance for me and others + it pays for the damage of the other drivers car. But not the damage for my car.

  3. Agape N

    I watched this video six months ago and chose stacked on my Florida Geico plan for 1 vehicle. When renewing my policy a few days ago, I decided to call Geico to determine if stacked for them meant what is said in this video. The associate spoke to a supervisor and said that it did not and that stacked is good for multiple vehicles but not for 1 vehicle. He said that Personal Injury Protection will be what pays damages if harmed as a pedestrian. I appreciate these videos but I think the policy holder of 1 vehicle should contact his/her insurance company before selecting the stacked option. I saved myself approximately $50 by selecting non-stacked this time around.

  4. Gage Smith

    if stacked UM coverage "follows" you into another vehicle like someone else's per say. Why is it that it wouldn't follow you on a vehicle without UM coverage on your policy? Is this more of an exclusion because it should have it?

  5. Dorothy More

    I am still trying to understand UM/UIM as It was explained to me, that this only paid if you get hurt in your vehicle; by an accident caused by another, who is uninsured or not insured at all. The payment on (the UM) after your claim on the under/uninsured, then your pip maxed out /then your personal heath insurance/ medicare maxed out only then UM kicks in. I am trying to understand this; as many people I know opt out.

  6. Rob Wassel

    matt, question – if i currently hold non-stacked at 100-300, and I intend to change to Stacked, do you recommend a.) keeping the same amount (100-300), or decreasing (due to now stacking)? the rates apparently increase quite a bit by stacking. Also, since my wife and kids (2) are driving in the car frequently, what do you recommend for Stacked with 3-4 occupants? Would I need more coverage due to the # of auto occupants? – Rob

  7. Mimi Richardson

    I have a question, if we have Stacked UM on an auto policy with 100/300 limits, and a motorcycle with minimum limits, will the UM from the Auto still follow the motorcycle policy?

  8. Jeff Curran

    Collusion between lawyers, insurance companies, and government regulators. This guy is an insurance company salesman. The fact is that in the State of Florida, 60% of your insurance premium costs go to UM. Basically every honest person that buys car insurance in Florida is subsidizing more than half of the people in Florida who buy no insurance at all because they are a bunch of scumbags. And the lawyers, insurance companies, and government regulators feed off of this scam. I'm sick and tired of paying to subsidize the insurance not carried by law breaking, low life immigrants, and domestic cheats. Insurance is legalized gambling. Make the bet. Choose NO to UM and drive with your eyes wide open (including the eyes in the back of your head).

  9. Jeff Curran

    Hi Matt, now that I have your attention, I have a scenario to put forth to you. Based upon quotes that I have received it appears that UM is 50 to 60 percent of the average auto insurance premium in Florida. I have noticed that most insurers spread UM across other coverages in order to give the impression that the quote is reasonably balanced across all coverages. I have received a quote from the G company where if I declined UM, my premium was half of all other insurers quotes. When I added UM, the quote was equal to all other insurers. So now I ask for your advice. What is a person to do? UM is driving premiums out of reach of the average Floridian. I have experienced a 35% premium increase in just 3 years. No fault of mine. No accidents, no tickets, my cars continue to depreciate. So why do the premiums continue to increase? UM? Do you have an opinion on how the state of Florida can minimize the burden of uninsured motorists on the general public? I wonder why all of these UMs are able to register their vehicles.

  10. Alfredo Sanchez

    QUICK QUESTION: You mentioned not being covered if in the one car that is not UM insured. Whether stacked or not……. But didnt Stacked UM follow you?………………..

  11. David Thompson

    I’m sorry, but some of the information here is inaccurate. True, “UM”
    coverage is a very important and everyone should buy the maximum limits
    available. Additionally, “stacked” UM is always the best coverage, even on a
    single car policy. I commend you for expressing how important this coverage is.
    Hopefully your video will encourage more people to buy maximum UM limits and
    stack it. Remember, the Insurance Information Institute estimates that 23% of
    the cars in Florida have no insurance at all. Hard data from the Florida
    Department of Financial Services about two years ago showed that right at 50%
    of the autos with any insurance have $25,000 of bodily injury liability or

    The video states that non-stacked UM only covers you if you are in your
    car. That is incorrect. Non-stacked protects you if you drive another car (not
    owned by you or a resident family member), if you are a passenger in the same
    vehicle, and if you are a pedestrian.

    Additionally, while other parts of the auto policy have an exclusion
    for vehicles with less than four wheels, the UM part does not. 

    If you own a vehicle and it is not insured for UM under that policy,
    then non-stacked UM will not respond; stacked will respond. 

    One particular insurance company writes a separate vehicle on each
    vehicle. It’s very common that the customer elects to buy stacked UM on one vehicle,
    and reject it on the other vehicles. (It’s a bad decision, but it happens a
    lot.) If the customer were occupying a vehicle that was covered by a policy
    with no UM, the stacked UM from the other vehicle WILL respond. 

    I’ve been an insurance agent for over 30 years in Florida and teach
    classes about UM dozens of times per year; even to the Florida Department of
    Financial Services (Formerly the Florida Department of Insurance) on several
    David Thompson, CPCU, AAI, API, CRISPS: I do not sell insurance so I have no agenda here other than to educate consumers.


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