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Florida UM/UIM Stacking Calculator

Florida lets you add the UM limits of several vehicles unless you accepted an optional non-stacking policy, and it treats an underinsured driver as uninsured. UM pays the gap between your damages and the other benefits and liability limits. Enter your limit, your damages and what others have paid.

Cited to Fla. Stat. 627.727 FigureMyTax Editorial Team Free · no sign-up

By the FigureMyTax Editorial Team · How we calculate

Estimate your UM/UIM benefits

Enter your policy limit, your damages and the other benefits you have.

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Estimated result
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Florida stacks UM coverage unless you chose not to

Florida's rule is in Fla. Stat. 627.727. Subsection (8) lets an insurer offer a non-stacking UM policy at a reduced premium, subsection (3)(b) treats an underinsured vehicle as uninsured, and subsection (1) says UM is not reduced by a setoff against any coverage. The injury threshold for pain and suffering is in 627.737.

Read how stacked and non-stacked coverage differ in Florida, check what subsection (8) requires, or see how UM and underinsured claims are paid.

Injured in Florida?

A local personal injury attorney can review your claim — many offer a free consultation.

Talk to a Florida attorney

Go deeper

Stacked vs. Non-Stacked UM in FloridaWhat stacking adds and what the option costs Fla. Stat. 627.727(8)What the non-stacking offer must say UM vs. UIM in FloridaOne coverage, excess of the other benefits

Related calculators

Medical Lien CalculatorWhat you keep after Medicaid, hospital and plan claims Minor's Settlement CalculatorIf the injured person is under 18

This is an estimate for general guidance only and is not legal advice. Figures are based on the cited Florida statutes. Confirm how these rules apply to your specific case with a licensed Florida attorney.