Which option allows a policyholder to reject UM coverage in writing?

Which option allows a policyholder to reject UM coverage in writing?

• A. May reject UM coverage in writing
• B. May purchase UM coverage less than liability limits
• C. May elect non-stacked UM coverage in writing
• D. May purchase UM coverage more than liability limits

Answer: (A)

In Florida, Uninsured Motorist (UM) coverage is optional and the policyholder may formally decline it by signing a written rejection. This written rejection is the mechanism that shows the decision to forgo UM protection is intentional and documented. If there is no written rejection, UM coverage is included, generally at a level tied to the liability limits you carry. The other statements describe different UM choices—lowering or raising UM limits or selecting non-stacked versus stacked arrangements—but they don’t address the act of rejecting UM coverage in writing.

In Florida, Uninsured Motorist (UM) coverage is optional and the policyholder may formally decline it by signing a written rejection. This written rejection is the mechanism that shows the decision to forgo UM protection is intentional and documented. If there is no written rejection, UM coverage is included, generally at a level tied to the liability limits you carry. The other statements describe different UM choices—lowering or raising UM limits or selecting non-stacked versus stacked arrangements—but they don’t address the act of rejecting UM coverage in writing.