Florida Insurance Claims Adjuster License Practice Exam

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All of the following UM options are available to an insured, EXCEPT?

  1. May purchase UM coverage less than liability limits

  2. May purchase UM coverage more than liability limits

  3. May reject UM coverage in writing

  4. May elect non-stacked UM coverage in writing

The correct answer is: May purchase UM coverage more than liability limits

Options A, C, and D are all available to an insured when selecting UM coverage. However, option B, purchasing UM coverage more than liability limits, is not available as it would essentially provide double coverage and go against the purpose of UM coverage - to provide coverage up to the liability limit.

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