All of the following UM options are available to an insured, EXCEPT?

• A. May purchase UM coverage less than liability limits
• B. May purchase UM coverage more than liability limits
• C. May reject UM coverage in writing
• D. May elect non-stacked UM coverage in writing

Answer: (B)

In Florida, Uninsured/Underinsured Motorist coverage is flexible in how much you can elect, but the amount you can purchase cannot exceed your liability limits. The purpose of UM coverage is to protect you up to the same level of protection as your liability limits, not to extend beyond them. So you can choose UM coverage that is less than your liability limits, or elect it to be equal to those limits, or even reject UM coverage in writing if you wish. You can also opt for non-stacked UM coverage in writing, which changes how the UM limits apply when multiple vehicles or insureds are involved.

What’s not available is to buy UM coverage for more than your liability limits. That ceiling is what makes the statement about purchasing UM above liability limits not allowed.