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Trial Pro P.A. is proud to advocate for accident victims all over the state of Florida, including from our Central Florida office in Orlando. Our dedicated experienced personal injury attorneys handle a range of legal matters, from employment disputes to auto accidents claims. We can use our knowledge and legal skills to help you not only achieve a favorable outcome but relieve the legal burden on your shoulders as well. Our entire team understands how challenging and confusing litigation can be, which is why we are here for you through every step of the process.

The Trial Pro, P.A. attorneys, carry more than a century of collective legal experience and decades of working together as a team. We have represented hundreds if not thousands of people who have been injured due to car accidents, slip-and-fall, worker's compensation cases, and more. One thing that is clear to us is the essence of partnership. Without it, Trial Pro, P.A. could not be as effective in attaining success for our clients.

Stacking Your Uninsured or Under-Insured Motorist Coverage in Florida

Frequently Asked Questions - Stacking Your Uninsured or Under-Insured Motorist Coverage in Florida

Stacking Your Uninsured or Under-Insured Motorist Coverage in Florida

If a specific type of auto insurance coverage underrated, it is stacking your Uninsured/Underinsured Motorist Coverage.  As you may know, when it comes to purchasing auto insurance coverage in the State of Florida, it is important to keep in mind what the state requirements are, what they mean in terms of provision, and what type of insurance coverage will be better suited for each individual based on their specific needs.  In the State of Florida, the necessary requirements to insure a motor vehicle is composed of two (2) types of coverage, Personal Injury Protection (PIP) and Property Damage liability (PD), and each carry a required limit of $10,000.00.  This basic coverage is what is most commonly referred to as “full coverage.”  Because the State of Florida is what is known as a “No-Fault State,” this means that your PIP auto insurance coverage will cover your medical expenses, regardless of who is found to be at fault, up to $10,000.00.  Additionally, it is important to note that the State of Florida does not require a motorist to carry bodily injury coverage; this coverage is to compensate any damage done to another person as a result of a motor vehicle collision, regardless of whether it is against a pedestrian, motorcyclist, bicyclist, government, or commercial vehicles.  Moreover, another type of auto insurance coverage that is not a requirement in the State of Florida is Uninsured/Underinsured Motorist Coverage, or stacking Uninsured/Underinsured Motorist Coverage.  This type of auto insurance coverage protects the insured should they be involved in a collision with another motorist who has no bodily injury liability coverage, or the minimal policy limits in bodily injury coverage.  The minimum for Bodily Injury coverage in the State of Florida is $10,000.00 per person/$20,000.00 per occurrence.

Likewise, and more importantly, not only does stacking Underinsured/Underinsured motorist coverage protect the insured should they be involved in a motor vehicle collision another driver that carries minimal, or no bodily injury coverage, this provision protects the insured should they be involved in a hit-and-run accident, whether the insured is the driver, passenger, pedestrian, or otherwise.  It is important to note however, that you cannot obtain uninsured/underinsured coverage without also carrying bodily injury coverage, whether the limits are the same, or the selected bodily injury coverage is in an amount higher than the chosen uninsured/underinsured coverage.  That being said, a motorist is not able to carry uninsured/underinsured motorist coverage in an amount higher than the selected bodily injury coverage limits. 

So, what does stacking uninsured/underinsured motorist coverage mean?  Stacking uninsured/underinsured motorist coverage means that, if for example, you choose to carry the minimal state requirements of stacking uninsured/underinsured coverage in the amount of $10,000.00/$20,000.00, and there are three (3) listed household vehicles on that policy, the amount that is now available to compensate for damages from your own auto insurance policy is $30,000.00/$60,000.00.  Stacking Uninsured/Underinsured Motorist Coverage is not only back-up protection for damages or injuries sustained, this provision takes that protection a step further.

While some individuals voice concern for obtaining or using uninsured/underinsured motorist coverage for fear of their insurance rates rising, it is important to bear in mind that this type of coverage solely exists to protect and benefit the insured, and members of their household should they be involved in a collision with an underinsured, or worse, uninsured motorist.  There have been countless instances when motorists choose to carry bodily injury coverage and either forego uninsured/underinsured coverage, or do not select stacking uninsured/underinsured motorist coverage, and find themselves in a disadvantageous position without recourse because the at-fault driver did not carry an adequate amount of bodily injury coverage, or they simply did not carry it at all.  Similarly, carrying and selecting uninsured/underinsured motorist coverage provides protection against collisions with hit-and-run drivers.

How does carrying stacking uninsured/underinsured motorist coverage help?  First, it is well understood that being involved in a motor vehicle collision, regardless of the severity of the impact, can be stressful enough as it is.  Moreover, motor vehicle collisions, regardless of whether they are high or low impact can result in personal injury.  Uninsured/underinsured insurance coverage, specifically stacked, enables the insured to be able to seek monetary compensation for not only the injuries sustained, as well as pain and suffering, it serves to cover future medical treatment, and/or lost wages that may have been incurred as a result.  Not only is the insured taking the best course of action by selecting to carry stacking uninsured/underinsured motorist coverage should they be involved in a motor vehicle collision that may result in serious and/or long term injuries, they are securing members of their household as well.  As you may know, stacking uninsured/underinsured motorist coverage is not just if an individual is involved in the motor vehicle, or vehicles listed on the policy, it can also be applied to the insured and/or members of their household should they be a passenger, bicyclist, motorcyclist, or pedestrian involved in a motor vehicle collision.

For example, if an adequately insured motorist who has selected stacking uninsured/underinsured motorist coverage is involved in a motor vehicle collision with an uninsured/underinsured, or a hit-and-run driver, the proper precautions have been secured to ensure that not only the motorist is protected for compensation, should it be required, this also protects any household family members as well.  Bear in mind that injuries sustained as a result of motor vehicle collisions, or collisions regardless of whether the insured is a passenger, pedestrian, bicyclist, or motorcyclist, can result in extensive medical treatment, in-patient hospital stays, physical therapy, physiotherapy, pain management, and/or surgery, multiple surgeries, plastic surgery, or otherwise, and the medical expenses incurred as a result.

So, how important is uninsured/underinsured motorist coverage?  Since Florida does not require a motorist to carry bodily injury liability coverage, selecting stacking uninsured/underinsured coverage helps to assure that the insured motorist, and household members are covered for any damages or physical injuries sustained, including the respective medical expenses as a result of a motor vehicle collision with an uninsured/underinsured, or hit-and-run driver.  Simply put, selecting this type of coverage can certainly make a world of difference.



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With more than a century of collective legal experience and a commitment to hard work, excellence, and integrity, we have recovered millions of dollars in damages on behalf of our clients.
Our goal is to enable our clients to sit back and focus on their recovery, knowing that the team at Trial Pro, P.A. has the experience and resources to effectively handle all of the legal details involved in their case.

Personal Injury Law

We put our knowledge and legal abilities into action to assist you to attain a positive outcome and ease the legal stress from your shoulders simultaneously. Trial Pro, P.A., holds a reputation for achieving real success for clients. Please leave it to us to fight wisely but aggressively.

Car Accident Attorneys

Experiencing a car accident can be frustrating and scary, but our promises to you are fully authentic. Trial Pro, P.A.'s injury attorneys, do not under-deliver. Instead, we do everything in our capabilities to go above and beyond your expectations.

Slip and Fall Accidents

Our objective is to enable our clients to relax and concentrate on healing, recognizing that the legal professionals at Trial Pro, P.A. holds the knowledge and resources to adequately tackle all the legal and financial specifics associated with their dispute.

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What Our Clients Say About Our Personal Injury Attorneys

"From the beginning we knew we were in good hands."
Clarence,
Personal Injury Case
Trial Pro got me $491,000
"I wouldn't be where I am today without Trial Pro."
Clarence,
Personal Injury Case
Trial Pro got me $998,000
"Trial Pro satisfied client 2021"
Client,
Car Accident Case
Trial Pro got me $1,900,000
"We are really glad that we choose you guys to represent us."
Nicole,
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Trial Pro got me $1,000,000
"Trial Pro makes sure you get what you deserve."
Ashley,
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Trial Pro got me $795,000
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Trial Pro got me $1,510,000
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In addition to traveling directly to our clients, the team at Trial Pro, P.A. also pledges to provide clear advice and regular client communication. We know how vital regular contact with our clients is - we never leave you hanging or delay our responses. 

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After experiencing an automobile accident, the last thing you desire is to have an attorney at hand that doesn’t know how to represent you adequately. You want a reputable law firm that will.

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We put our knowledge and legal abilities into action to assist you to attain a positive outcome and ease the legal stress from your shoulders simultaneously. Trial Pro, P.A., holds a reputation for achieving real success for clients. Please leave it to us to fight wisely but aggressively. 
Unmatched Case Results
Experiencing a car accident can be frustrating and scary, but our promises to you are fully authentic. Trial Pro, P.A.'s injury legal attorneys, do not under-deliver. Instead, we do everything in our capabilities to go above and beyond your expectations. 
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It would help if you didn't have to beg for a call back from your attorney. It would be best if you didn't have to beg for an update on your case. At Trial Pro, P.A., we don't operate in that manner. We constantly call our clients to give them updates on their claims. If we miss a call, we promise always to return it.
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Our objective is to enable our clients to relax and concentrate on healing, recognizing that the legal professionals at Trial Pro, P.A. holds the knowledge and resources to adequately tackle all the legal and financial specifics associated with their dispute.

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Based in Florida, Trial Pro, P.A. represents clients across Florida from our offices in Miami, Orlando, Ft. Myers, Naples, Delray Beach, Jacksonville, and Daytona Beach. We are dedicated to fully serving you to every degree. We vow to make the entire process of working with us as easy and as stress-free as possible. Therefore, we are more than happy to meet with you at your home, place of employment, hospital room, or other business that you find more convenient. You are always welcome to come into our office as well.

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Trial Pro P.A. is proud to advocate for accident victims all over the state of Florida. Our dedicated, experienced personal injury attorneys handle various legal matters, from employment disputes to auto accidents claims. We can use our knowledge and legal skills to help you not only achieve a favorable outcome but relieve the legal burden on your shoulders as well. Our entire team understands how challenging and confusing litigation can be, which is why we are here for you through every step of the process.


Trial Pro P.A. Orlando Office

  (407) 300-0000

 250 N Orange Ave 14th Floor
Orlando, FL 32801


Trial Pro P.A. Tampa Office

  (813) 522-5444

 1000 N. Ashley Drive, Suite 512
Tampa, FL, 33602


Trial Pro P.A. Naples Office

  (239) 300-0000

 870 111th Ave N #1
Naples, FL 34108


Trial Pro P.A. Fort Myers Office

  (239) 400-5000

 9341 Marketplace Rd
Fort Myers, FL 33912


Trial Pro P.A. Melbourne Office

  (321) 586-2088

 2551 W. Eau Gallie Blvd., Suite 102
Melbourne, FL, 32935

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250 N Orange Ave, 14th Floor

Orlando, FL 32801

help@trialpro.com

(407) 300-0000


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Trial Pro, P.A. Car Accident Attorneys

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The information on this website is for general information purposes only. The Information presented at this site should not be construed as formal legal advice nor the formation of an attorney-client relationship. For medical advice and treatment, you should contact a licensed medical professional.