In Florida your uninsured motorist limits are independent from your liability limits. Typically, they are less than or equal to your Bodily Injury Liability coverage, if you elected to have the coverage. Bodily injury is not required in Florida as part of basic minimum auto insurance coverage but can be required if you are at-fault in an accident and cause injury.

The Florida Financial Responsibility Law requires that any person at fault in a crash resulting in bodily injury and property damage to others must have in effect at the time of the crash full liability insurance coverage. This coverage includes minimum limits of bodily injury liability of $10,000 per person, $20,000 per crash, $10,000 property damage liability per crash, and personal injury protection limits of $10,000 per person per crash.

Florida statute 627.727 speaks about uninsured and underinsured vehicle coverage and the need for it to be offered. If you decide to decline or refuse this coverage a document needs to be signed stating that you do not want this coverage but that you were offered it.

A part of the Florida automobile insurance application has text that will look something like this; you sign this section: YOU ARE ELECTING NOT TO PURCHASE CERTAIN VALUABLE COVERAGE WHICH PROTECTS YOU AND YOUR FAMILY, OR YOU ARE PURCHASING UNINSURED MOTORIST LIMITS LESS THAN YOUR BODILY INJURY LIABILITY LIMITS WHEN YOU SIGN THIS FORM. PLEASE READ CAREFULLY....

For more information you may try contacting the Florida Department of Financial Services, which insurance division regulates FL auto insurance.