⦁ FLORIDA UNINSURED MOTORIST COVERAGE
Uninsured Motorist Coverage in Florida — Because Not Everyone on the Road Is Insured
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UNDERSTANDING COVERAGE
What Is Uninsured Motorist Coverage and Why Does It Matter in Florida?
Florida only requires drivers to carry $10,000 in Personal Injury Protection and $10,000 in Property Damage Liability. Bodily injury coverage — the coverage that pays for your injuries if someone else causes an accident — is not required. That means the driver who hits you can be completely legal on the road and still have nothing to pay for your medical bills.
That is exactly the gap uninsured motorist coverage is designed to fill.
If you are hit by a driver with no insurance — or one whose policy limits fall far short of your damages — your UM coverage steps in. It covers medical expenses, lost wages, pain and suffering, and future treatment costs that your PIP policy won’t touch. It also protects you in hit-and-run accidents, where there is no other driver to pursue at all.
SunKey helps Florida drivers compare uninsured motorist coverage options across top-rated carriers quickly and privately — without requiring your email or phone number upfront.
SIMPLE PROCESS
How to Get Uninsured Motorist Coverage Through SunKey
Get your Florida UM coverage quote in four simple steps. No email. No cell phone. Just fast results.
Enter Basic Info
Start your quote with basic driver information. Takes under two minutes.
Add Your Vehicle Details
Tell us about your vehicle so we can match you with the right coverage options.
Choose Your Coverage Level
Select the uninsured motorist limits that fit your situation — from basic to fully stacked protection.
Compare Your Rates
Review real quotes from Florida's top carriers and choose the policy that works for your budget
FLORIDA LAW
What Florida Law Says About Uninsured Motorist Coverage
Uninsured motorist coverage is not required in Florida — but there is a catch. Insurance companies are legally required to offer it to you under Florida Statute §627.727. If you choose not to carry it, you must decline it in writing by signing a waiver.
That legal requirement exists for a reason. Here is what Florida drivers are up against:
No Bodily Injury Liability Requirement
Florida does not require drivers to carry bodily injury liability insurance. A driver who causes a serious accident can be fully legal and still carry zero coverage for your injuries.
Over 1 Million Uninsured Vehicles on Florida Roads
As of June 2024, over 1,038,246 registered vehicles in Florida carried no insurance — and independent estimates suggest the real number of effectively uninsured or underinsured drivers runs as high as 1 in 5.
Your PIP Alone Is Not Enough
PIP covers 80% of medical expenses up to $10,000 and 60% of lost wages. It does not cover pain and suffering. For a serious accident, that leaves a very significant gap.
What Does Uninsured Motorist Coverage Pay For?
WHAT UM COVERAGE COVERS
Uninsured Motorist Coverage
Uninsured motorist coverage goes well beyond what your required PIP policy provides. It is built for the situations where the other driver simply cannot pay — and you need real protection, not a policy minimum.
Uninsured Motorist Bodily Injury (UMBI)
Covers your medical expenses, lost wages, pain and suffering, and future treatment costs when the at-fault driver has no bodily injury coverage.
Underinsured Motorist Coverage (UIM)
Covers the gap when the at-fault driver has insurance but not enough to pay for your full damages. If your bills total $80,000 and their policy only covers $25,000, your UIM coverage pays the remaining $55,000.
Uninsured Motorist Property Damage (UMPD)
Covers damage to your vehicle caused by an uninsured driver, without requiring you to file through your collision coverage or pay your deductible.
Uninsured Motorist Property Damage (UMPD)
Covers damage to your vehicle caused by an uninsured driver, without requiring you to file through your collision coverage or pay your deductible.
Stacked UM Coverage
If you own multiple vehicles, stacked uninsured motorist coverage allows you to combine your UM limits across all vehicles on your policy, giving you significantly higher total protection per accident.
Non-Stacked UM Coverage
The more affordable entry-level option. Coverage applies only up to the limit on the specific vehicle involved in the accident. A practical choice for single-vehicle households focused on cost.
Stay Protected
What Happens If You Have No Uninsured Motorist Coverage in Florida?
Without UM coverage, your options after an accident with an uninsured driver are limited — and often frustrating.
You Absorb What PIP Doesn't Cover
Your PIP pays first — up to $10,000. Everything beyond that, including pain and suffering, comes out of your own pocket or from a lawsuit against a driver who likely has no assets to collect from.
Hit-and-Run Leaves You With Nothing
If the at-fault driver flees, there is nobody to sue and no policy to claim against. Without UM coverage, you are on your own.
OUR DIFFERENCE
Why Choose SunKey for Uninsured Motorist Coverage
No Email or Cell Phone Required Up Front
Most insurance sites ask for your contact details before you see a single rate. SunKey skips that entirely. Compare real UM coverage options and decide if you want to move forward — on your terms.
We Compare Across 10+ Carriers
As an independent agency, SunKey is not tied to one company. We shop uninsured motorist coverage rates across Florida's top carriers — including Progressive, Geico, Travelers, National General, and more — so you get the best rate available, not just the one easiest for us to sell.
Compare Between Leading Insurance Brands
SunKey AutoRater is built for speed. Enter your driver and vehicle details, select the UM coverage level you want, and see real options in minutes.
Straightforward, No-Pressure Advice
No high-pressure calls. No follow-up spam. If you want to talk through stacked versus non-stacked options or how UM works alongside your PIP policy, our agents are here — not to push a sale, but to help you understand your coverage.
SUNKEY AUTORATER
Compare Uninsured Motorist Quotes on Our Purpose-Built Platform
SunKey AutoRater is our fast, private quoting platform — built specifically for Florida drivers who want real rates without the usual friction.
Enter your driver information, select your desired UM coverage level, and see actual quotes from Florida’s leading carriers in minutes.
No email or cell phone required to start
Compare UM rates from 10+ Florida carriers
Real, bindable quotes — not estimates
All Florida coverage types including SR-22 and stacked UM options
Uninsured motorist insurance protects you when the driver who causes your accident has no insurance — or not enough to pay for your damages. It covers medical expenses, lost wages, and pain and suffering that your PIP policy does not.
Most insurance professionals recommend matching your UM limits to your bodily injury liability limits. A starting point of $100,000 per person and $300,000 per accident gives solid protection for most Florida drivers. Our agents can walk you through the right amount for your situation.
For most Florida drivers, yes. Florida does not require bodily injury liability coverage, which means a driver who causes a serious accident can be legally insured and still have nothing to pay for your injuries. UM coverage fills that gap — and given Florida’s high rate of uninsured drivers, that gap is a real risk.
Yes. Florida law classifies hit-and-run drivers as uninsured motorists. If someone hits you and drives away, your UM coverage handles the claim. You will need to report the accident to both law enforcement and your insurer promptly.
After an accident with an uninsured or underinsured driver, your PIP coverage pays first for initial medical costs. Once PIP is exhausted, your UM claim covers additional medical expenses, full lost wages, and pain and suffering — up to your UM policy limits.
Florida has one of the highest uninsured and underinsured driver rates in the country, which means carriers pay more UM claims here than in most states. Stacked coverage, higher limits, and driving history also affect your rate. That is why comparing across multiple carriers matters — rates for the same coverage can vary significantly between companies.
SunKey has been helping Florida drivers find the right auto insurance for over 30 years. As an independent agency, we compare rates across 10+ top-rated carriers so you get the best option — not just the one most convenient for us. Our quote process is fast, private, and requires no email or phone number upfront. And when you have questions, real agents are available to help.
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Protect Yourself From Uninsured Drivers — Get Your Free Quote Now
Compare uninsured motorist coverage rates from Florida's top carriers. No email. No cell phone. Just fast, accurate quotes in minutes.