Which option allows elect non-stacked UM coverage in writing?

Which option allows elect non-stacked UM coverage in writing?

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

Answer: (B)

In Florida auto insurance, you must make an explicit written election about how Uninsured Motorist (UM) coverage is handled, including whether it’s stacked or non-stacked. The correct choice is the one that states you may elect non-stacked UM coverage in writing, because it directly describes the act of choosing the non-stacked option in the insured’s written record. Non-stacked means the UM limits apply per vehicle rather than across all vehicles insured. The other options refer to different actions or details: rejecting UM in writing is a separate choice about whether to have UM at all; buying UM coverage above or below liability limits concerns the amount of coverage, not whether it’s stacked or non-stacked. So the key idea being tested is the affirmative written election to select non-stacked UM coverage.

In Florida auto insurance, you must make an explicit written election about how Uninsured Motorist (UM) coverage is handled, including whether it’s stacked or non-stacked. The correct choice is the one that states you may elect non-stacked UM coverage in writing, because it directly describes the act of choosing the non-stacked option in the insured’s written record. Non-stacked means the UM limits apply per vehicle rather than across all vehicles insured.

The other options refer to different actions or details: rejecting UM in writing is a separate choice about whether to have UM at all; buying UM coverage above or below liability limits concerns the amount of coverage, not whether it’s stacked or non-stacked. So the key idea being tested is the affirmative written election to select non-stacked UM coverage.