Florida Insurance Licensing Practice Exam

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Master the Florida Insurance Licensing Exam with our comprehensive practice quiz. Tailored feedback & expert insights to ensure success. Start now!

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If an insured has $100,000 of 'unstacked' UM, and 2 cars on the policy, how much is available under a UM claim?

0
$100,000
$200,000
$300,000

The correct answer is: $100,000

Unstacked UM means that the coverage limit applies separately to each vehicle on the policy. Since the insured has 2 cars on the policy, they would have a total of $100,000 in UM coverage available (2 x $50,000 for each car). Option A, 0, is incorrect because the insured does have UM coverage. Option C, $200,000, is incorrect because that would be the total coverage available if the UM coverage was 'stacked', meaning the limit for each vehicle would double. Option D, $300,000, is incorrect because that would be the total coverage available if the limit was for a single vehicle with stacked UM coverage.