Hopefully, you already know how important UM coverage is as part of your motor vehicle insurance.  If not, you can read more about it on our previous blog.  One of the things that often confuses people about UM coverage is the difference between stacking UM coverage and non-stacking UM coverage.  Florida law requires insurance companies to offer stacking UM coverage.  This coverage is so important that Florida law also requires that you sign a document rejecting stacking UM coverage if you choose not to purchase it.  When we request a certified copy of an insurance policy for our clients, we also require a copy of the signed written rejection if the insurance company contends that the UM coverage is non-stacking.  The insurance company must provide stacking coverage if they are unable to produce the signed written rejection. (more…)