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Mandatory Insured and Invalid/Permissilbe Exclusions Under Florida UM Coverage

UM coverage extends to the named insured, the named insured's spouse, and relatives of either who reside in the household (these are also known as Class I insured).  Coverage does not follow a particular vehicle or accident but follows the injured person.  If the injured is a Class I insured, they are covered "whenever,wherever bodily injury is inflicted upon them" and any attept to exclude coverage with a few exceptions is impermissble and invalid.

For an insurer to legally be able to exclude UM coverage for injuries sustained by Class I insured while occupying any vehicle owned by such insured for which UM coverage not purchased, the insurer must notify the insured of the coverage limitation in writing on an approved form by the Office of Insurance Regulation and reduces the premium for UM coverage by at least 20%.  Any UM policy which provides less than that required by Florida Statute is void as contrary to public policy.  Be sure to hir an experienced Palm Beach County car accident attorney to fight the insurance companies and insure you receive the UM benefits you deserve.