Yes, if want to take out Uninsured Motorist Bodily Injury coverage on two of your vehicles than you must also take it out on your third vehicle as well.

In Florida, Liability coverage must be the same for all vehicles on the policy. If Uninsured Motorist Bodily Injury (UM) is selected on one vehicle it must be selected for all and with the same limits of coverage. If rejected, UM must be rejected for all.

Florida law requires that automobile Liability policies include Uninsured Motorist Bodily Injury Coverage at limits equal to the Bodily Injury Liability limits in your policy, unless you select a lower limit offered by the company or reject Uninsured Motorist Bodily Injury Coverage entirely.

So to carry UM on the third car besides the state minimum requirements of Personal Injury Protection (PIP) and Property Damage Liability (PD) you must also have Bodily Injury Liability (BI) insurance. Then as with your cars that you say have full coverage you can obtain UM coverage. An insurer will in fact require you to have BI to get UM and that all 3 of your vehicles on the policy have the same limits of coverage.

Remember in FL the limit of Uninsured Motorist Bodily Injury must be the same as the Bodily Injury Liability limit unless you, the insured, sign a form to reduce or delete the UM coverage. The coverage must also be issued as stacked unless a form electing non-stacked is signed by the insured.

Under non-stacked Uninsured Motorist Bodily Injury Coverage, if injury occurs in a vehicle owned or leased by you or any family member who resides with you, this policy will apply only to the extent of coverage (if any) which applies to that vehicle in this policy.

If you do not elect to purchase non-stacked Uninsured Motorist Coverage your policy limit(s) for each motor vehicle are added together (stacked) for all covered injuries. Thus, your policy limits would automatically change during the policy term if you increase or decrease the number of autos covered under the policy.

An example of stacking is John has limits of $100,000/$300,000 for his Uninsured Motorist Bodily Injury coverage and is insuring 2 vehicles. If he leaves them "unstacked" John's limits would stay at $100,000/$300,000. If John instead chooses to "stack" his UMBI coverages then his limits would double to $200,000/$600,000.

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