Quick Facts: UM/UIM Coverage in Orlando
Florida has one of the highest uninsured rates; UM fills the gap when PIP ends at $10k.
Typical annual cost to add 100/300/50 UM/UIM limits to an existing policy.
18% jump in Orlando hit-and-run claims since 2022 along I-4 and tourism corridors.
Stacking coverage can double limits for multi-vehicle households for < $10/month.
Table of Contents
Why UM/UIM Coverage is Critical in Orlando
Florida has one of the highest uninsured motorist rates in the nation. Orlando drivers face significant risk from uninsured and underinsured drivers, making UM/UIM coverage essential protection. Pair UM with the state’s required PIP/PDL limits so you’re covered whether or not the at-fault driver meets Florida’s minimums.
Florida Uninsured Driver Statistics
- 20%+ of Florida drivers are uninsured (one of the highest rates in the U.S.)
- 1 in 5 accidents in Orlando involves an uninsured or underinsured driver
- Hit-and-run accidents are common in tourist-heavy areas like I-Drive and Universal
- Without UM coverage: You pay out-of-pocket, then try to sue a driver with no assets
Uninsured Motorist (UM)
Covers:
- Hit-and-run accidents
- Drivers with no insurance
- Drivers whose insurance lapsed
- Medical bills and vehicle damage
- Lost wages and pain/suffering
Underinsured Motorist (UIM)
Covers:
- When at-fault driver's limits are too low
- Gap between their coverage and your damages
- Common when driver has minimum coverage ($10k)
- Your medical bills exceed their BI limits
- Vehicle damage exceeds their PD limits
UM/UIM Coverage Types & Orlando Options
Florida lets you customize UM/UIM protection for your household. Understanding stacked vs. non-stacked coverage, split vs. combined single limits, and add-ons like excess economic loss helps you squeeze more value from every premium dollar—especially when coordinated with the liability strategy in our full coverage vs. liability guide.
Stacked vs. Non-Stacked
Stacked: Combines limits for every vehicle on the policy.
- 2 cars with 100/300 = 200/600 available per claim
- Adds ~$8–$12 per month per vehicle
- Best for multi-car households, Uber/Lyft families
Combined Single Limit (CSL)
One flat limit (e.g., $500,000) for injuries + property damage.
- Simple, flexible payouts
- Great for business owners, seasonal drivers
- Pairs well with umbrella policies
Optional Add-Ons
Ask carriers about roadside, rental reimbursement, and accident forgiveness bundles that include UM discounts.
UM/UIM Coverage Costs in Orlando
UM/UIM coverage is surprisingly affordable in Orlando, typically adding $150-$400 annually to your premium. The cost is minimal compared to the protection it provides—and you’ll see its impact across ZIP codes in our Orlando auto insurance rate study.
| UM/UIM Coverage Limits | Annual Cost (Orlando) | Monthly Cost | Protection Level |
|---|---|---|---|
| 25/50/10 $25k per person, $50k per accident, $10k property |
$150-$200 | $12-$17/mo | Basic protection |
| 50/100/25 $50k per person, $100k per accident, $25k property |
$200-$300 | $17-$25/mo | Recommended minimum |
| 100/300/50 $100k per person, $300k per accident, $50k property |
$300-$400 | $25-$33/mo | Best protection (matches liability) |
Orlando UM Adoption vs. Premiums
Source: Insurance Orlando quoting dataset, Q4 2025 (Orange, Seminole, Osceola counties).Check UM/UIM Pricing for Your Orlando ZIP
Rates shift widely between Lake Nona, Winter Park, and tourist ZIPs. Enter your ZIP to see how much 100/300 UM limits would cost and which carriers reward good telematics scores.
- Compare stacked vs. non-stacked UM/UIM in seconds
- See discounts for students, telematics, and bundled policies
Understanding UM/UIM Coverage Limits
UM/UIM coverage limits work similarly to liability limits, but protect you instead of others. Understanding the numbers helps you choose the right coverage level—and if you’ve had a major violation, align it with SR-22/FR-44 requirements so you don’t trigger new filings.
How Limits Work
Example: 100/300/50
- 100: $100,000 per person for bodily injury
- 300: $300,000 total per accident for bodily injury
- 50: $50,000 for property damage
Recommended Limits
Match Your Liability Limits:
- If you have 100/300/50 liability, get 100/300/50 UM
- This ensures you're protected to the same extent you protect others
- Minimum recommended: 50/100/25
- Best practice: 100/300/50 or higher
Real Orlando Scenarios
Scenario 1: Hit-and-Run on I-4
Situation: Driver rear-ends you on I-4 and flees the scene.
Without UM: You pay $15,000 in medical bills and $8,000 in vehicle damage = $23,000 out-of-pocket.
With UM (100/300/50): Your insurance pays up to $100,000 for your injuries and $50,000 for vehicle damage. You pay only your deductible.
Scenario 2: Uninsured Driver
Situation: Uninsured driver runs red light, totals your car, causes $30,000 in medical bills.
Without UM: You pay $30,000 medical + $25,000 vehicle = $55,000. Then try to sue driver (who has no assets).
With UM (100/300/50): Your insurance pays $30,000 medical + $50,000 vehicle. You're fully protected.
Scenario 3: Underinsured Driver
Situation: Driver has minimum $10k PIP, but your medical bills are $50,000.
Without UIM: Their insurance pays $10k, you pay remaining $40,000 out-of-pocket.
With UIM (100/300/50): Their insurance pays $10k, your UIM covers remaining $40k. You're fully protected.
Orlando-Specific Risk
Tourist Areas: I-Drive, Universal, Disney see higher hit-and-run rates.
High-Risk ZIPs: 32805, 32821 have elevated uninsured driver rates.
Recommendation: UM/UIM is essential for all Orlando drivers, especially those commuting through high-traffic areas or managing policies featured in our high-risk insurance guide.
How to File a UM/UIM Claim in Orlando
Step-by-Step Process
- Call 911: Report accident to police immediately (required for hit-and-run)
- Document Everything: Photos, witness info, police report number
- Contact Your Insurer: File claim within 24-48 hours
- Provide Evidence: Police report, photos, medical records
- Cooperate with Investigation: Help identify hit-and-run driver if possible
- Receive payment up to your UM limits
Required Documentation
- Police report (critical for hit-and-run)
- Photos of damage and accident scene
- Medical bills and records
- Witness statements and contact info
- Vehicle repair estimates
- Lost wages documentation (if applicable)
- Insurance claim form
Important: Hit-and-Run Claims
For hit-and-run accidents, you must file a police report within 24 hours to qualify for UM coverage. Without a police report, your UM claim may be denied. Always call 911 immediately after a hit-and-run, even if damage seems minor.