A plain-language Florida guide for Palm Beach County

Uninsured motorist coverage in Florida: what it pays and why Palm Beach County drivers keep it

Reviewed by Matt Williams, Licensed Insurance AgentLast reviewed October 3, 2026

The short version

When the driver who injured you has no insurance to pay, uninsured motorist coverage in Florida lets your own policy pay you instead. The law requires it on any policy with bodily injury liability unless someone named on the policy signs a written rejection, so keeping it is the default and dropping it takes a signature.

It pays your injury damages when the at-fault driver is uninsured.
Dropping it takes a named insured's rejection in writing.
Stacked limits add across your cars; non-stacked limits do not.

Call (561) 973-9998 and a licensed Florida agent runs the comparison with you.

Call (561) 973-9998 Rather type it out? Use the form

Start Your Comparison

List what needs coverage. A licensed Florida agent replies by phone or email with what several companies offer.

Several companies, one phone call
Car, house and shop questions in one conversation
A licensed Florida agent picks up

ZIP code

Coverage to quote

Full name

Phone number

Email (optional)

Notes for the agent (optional)

Add your current declarations page

Current declarations page (optional)Insured already? Upload it so Matt Williams and his team can price your current limits with several companies.PDF, JPG or PNG files up to 10 MB.

Your documents are used only to prepare your quote. Before sending, see the agent disclosure, the Privacy Policy and the Website Terms. A phone call works just as well.

Nothing to buy and no fee. Only a licensed agent and his team see this request; it is never sold as a lead.

Aerial view of the Boca Raton Resort's Mediterranean Revival buildings and pink tower, Boca Raton, Florida — The Boca Raton Resort, seen from the air

Matt Williams, a licensed Florida insurance agent who works with several companies, wrote this guide for BocaRatonInsuranceFL.com about the coverage that pays you for an injury the at-fault driver has no insurance to cover.

It is also a coverage Florida lets a named insured turn down in writing. Before anyone in your household signs that, see what it pays, what a rejection gives up, how stacked and non-stacked limits differ, and why Palm Beach County's crash counts argue for a deliberate choice.

It pays for your injuries when the other driver has nothing to pay you with

Uninsured motorist coverage, or UM, protects you from someone else's missing insurance. Under s. 627.727, any policy carrying bodily injury liability has to include it too, unless it is rejected in writing, for the people insured under it who are legally entitled to recover damages from an uninsured driver because of bodily injury.

Why the other driver may carry no coverage for your injuries

Registration does not demand it. The FLHSMV insurance requirements page asks for proof of PIP and property damage liability, at least $10,000 of each, and lists bodily injury liability only for vehicles registered as taxis. A driver can be fully legal on paper and still carry no bodily injury liability for the people they hurt.

Where PIP stops and uninsured motorist coverage takes over

Your own PIP pays first: under s. 627.736, it pays 80 percent of reasonable medical expenses, capped at $10,000. The PIP and bodily injury guide walks through that limit. Past it, when the at-fault driver is uninsured, UM is the part of your own policy that answers for your injury claim.

Palm Beach County roads in 2024

26,550crashes reported on county roads
16,564people hurt in those crashes
207people who did not survive one
489crashes that involved a motorcycle

Source: FLHSMV Traffic Crash Facts, 2024; figures checked 2026-10-03

Keeping it is the default, and giving it up takes a signature

The law leans your way here. Because s. 627.727 attaches UM to bodily injury liability, it stays put until a named insured puts a rejection in writing. It does not disappear without that paper on file.

That signature deserves a slow read. A rejection removes the coverage that pays you when an uninsured driver injures you, and adding it back later will not reach a crash that already happened. If a quote shows UM rejected, ask to see it both ways and decide with both prices in front of you.

Stacked or non-stacked: choose how far your limit reaches across cars

If you insure two or more vehicles, this choice changes how much UM is available to one injured person in one crash. Subsection (8) of s. 627.727 lets companies offer a limited form: if you accept it, the coverage on two or more vehicles "shall not be added together" to set the limit for an injured person in any one accident.

The statute never uses the word stacking. Drivers and agents do:

Non-stacked is the limited form. The coverage on each car stays separate for one injured person.
Stacked is the other choice, where the coverage on each insured car can be added together.

Ask to see both forms priced side by side before you pick one. The right answer depends on how many cars you insure and how much protection you want riding on each.

Palm Beach County's crash counts are why this coverage earns its place

You cannot choose who shares the road with you, or what they insure. Palm Beach County logged 26,550 crashes, 16,564 injuries and 207 deaths in 2024, according to FLHSMV Traffic Crash Facts 2024.

The county's Safety Action Plan, adopted by the County Commission on May 5, 2026, names High Injury Network corridors through Boca Raton, including Glades Road, Palmetto Park Road and S. Military Trail. If your week runs along any of them, that is where this choice meets the road.

What you can choose is what your own policy does when the other driver comes up empty. That is the whole case for keeping UM: it turns someone else's missing coverage into a claim on your own policy instead of a bill with nobody behind it.

Uninsured Motorist Coverage in Florida, Quoted by Several Companies From One Call

UM choices only make sense with prices beside them, and that takes more than one company. Some agencies place business with just one company, which leaves you a single answer. Because this agent is independent, representing many companies, one call gets several of them quoting UM at the limits and form you want, with same day quotes. A licensed agent answers.

You give your details once instead of repeating them agency by agency, and nothing about your present policy moves while you compare. For the full auto picture, see the Boca Raton auto insurance page, or call (561) 973-9998 and ask to see UM stacked, non-stacked and rejected side by side.

Questions About Keeping or Dropping Uninsured Motorist Coverage

How do I check whether my policy has uninsured motorist coverage?

Look at your declarations page. Because s. 627.727 ties UM to bodily injury liability, a missing UM line usually points to one of two things: a written rejection is on file, or the policy carries no bodily injury liability. Ask which one applies before you renew.

Is non-stacked uninsured motorist coverage weaker than stacked?

It is the same coverage with one difference. Under the limited form in subsection (8), what you carry on each car is not added together for one injured person in one accident, while stacked coverage lets those amounts add. Which fits depends on how many cars you insure and what each form costs, so compare both.

Does asking about uninsured motorist coverage change my current policy?

No. A quote is a price to look at, not a decision. Your policy stays as it is, nothing is canceled or replaced by asking, and a quote does not bind coverage.

Still weighing it?

Go through your declarations page with a licensed Florida agent; there is no charge for the call.

(561) 973-9998 Or leave your details