Florida Statute 627.4132 | Lawyer Caselaw & Research

The 2024 Florida Statutes

Title XXXVII
INSURANCE

Chapter 627
INSURANCE RATES AND CONTRACTS

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F.S. 627.4132

627.4132 Stacking of coverages prohibited.—If an insured or named insured is protected by any type of motor vehicle insurance policy for liability, personal injury protection, or other coverage, the policy shall provide that the insured or named insured is protected only to the extent of the coverage she or he has on the vehicle involved in the accident. However, if none of the insured’s or named insured’s vehicles is involved in the accident, coverage is available only to the extent of coverage on any one of the vehicles with applicable coverage. Coverage on any other vehicles shall not be added to or stacked upon that coverage. This section does not apply:

(1) To uninsured motorist coverage which is separately governed by s. 627.727.

(2) To reduce the coverage available by reason of insurance policies insuring different named insureds.

History.—s. 10, ch. 76-266; s. 1, ch. 80-364; s. 2, ch. 81-318; ss. 377, 809(2nd), ch. 82-243; s. 79, ch. 82-386; s. 14, ch. 88-370; s. 114, ch. 92-318; s. 326, ch. 97-102.

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Amendments to 627.4132

Arrestable Offenses / Crimes under Fla. Stat. 627.4132

Level: Degree
Misdemeanor/Felony: First/Second/Third

Current data shows no reason an arrest or criminal charge should have occurred directly under Florida Statute 627.4132.

Annotations, Discussions, Cases:

Cases Citing Statute 627.4132

Total Results: 20

Rando v. Government Employees Insurance Co.

Court: Supreme Court of Florida | Date Filed: 2010-04-08

Citation: 39 So. 3d 244, 35 Fla. L. Weekly Supp. 201, 2010 Fla. LEXIS 475, 2010 WL 1372697

Snippet: expressly excluded from this, prohibition. See § 627.4132, Fla. Stat. (2009) (providing that the prohibition

O'BRIEN v. State Farm Fire & Cas. Co.

Court: District Court of Appeal of Florida | Date Filed: 2009-01-08

Citation: 999 So. 2d 1081, 2009 WL 36475

Snippet: coverage for an additional vehicle after section 627.4132, Florida Statutes, had been amended to permit

Auto-Owners Insurance Co. v. Petrik

Court: District Court of Appeal of Florida | Date Filed: 2005-10-07

Citation: 915 So. 2d 640, 2005 Fla. App. LEXIS 16039, 2005 WL 2467049

Snippet: policies insuring different named insureds. § 627.4132, Fla. Stat. (1999) (emphasis added). “Under this

Gasch v. Harris

Court: District Court of Appeal of Florida | Date Filed: 2002-03-06

Citation: 808 So. 2d 1260, 2002 WL 342049

Snippet: question of statutory interpretation under section 627.4132, Florida Statutes (1999), dealing with antistacking

United Services Auto. Ass'n v. Roth

Court: District Court of Appeal of Florida | Date Filed: 1999-11-10

Citation: 744 So. 2d 1227, 1999 WL 1016296

Snippet: Tucker, the Legislature reacted by enacting section 627.4132, Florida Statutes (1977), which prohibited stacking

Government Employees Ins. Co. v. Stafstrom

Court: District Court of Appeal of Florida | Date Filed: 1996-01-19

Citation: 668 So. 2d 631, 1996 WL 18443

Snippet: was created so that the provisions of section 627.4132, adopted between the issuance of the original

Government Employees Ins. Co. v. Douglas

Court: Supreme Court of Florida | Date Filed: 1995-03-09

Citation: 654 So. 2d 118, 20 Fla. L. Weekly Supp. 113, 1995 Fla. LEXIS 378, 1995 WL 94425

Snippet: enacted a non-stacking statute in 1976, section 627.4132, that prohibited stacking and applied to all aspects

Grant v. State Farm Fire and Cas. Co.

Court: District Court of Appeal of Florida | Date Filed: 1993-07-21

Citation: 620 So. 2d 778, 1993 Fla. App. LEXIS 7625, 1993 WL 100148

Snippet: accident, not the truck. Id. at 1081. Citing section 627.4132, Florida Statutes (1977), which prohibits the

Teachers Ins. Co. v. Bollman

Court: District Court of Appeal of Florida | Date Filed: 1993-04-30

Citation: 617 So. 2d 817, 1993 WL 135712

Snippet: policies insuring different named insureds." Section 627.4132, Fla. Stat. (1977). Neither Piatt nor Kokay, however

Florida Farm Bureau Cas. Co. v. Hurtado

Court: Supreme Court of Florida | Date Filed: 1991-11-07

Citation: 587 So. 2d 1314, 16 Fla. L. Weekly Supp. 720, 1991 Fla. LEXIS 1958, 1991 WL 231596

Snippet: issued to his corporate employer under section 627.4132, Florida Statutes (1987).[2] Florida Farm seeks

Quirk v. Anthony

Court: District Court of Appeal of Florida | Date Filed: 1990-04-25

Citation: 563 So. 2d 710, 1990 WL 52319

Snippet: closely related anti-stacking statute, section 627.4132, Florida Statutes (1989), another six legislative

Hurtado v. Florida Farm Bureau Casualty Co.

Court: District Court of Appeal of Florida | Date Filed: 1990-02-13

Citation: 557 So. 2d 612, 1990 Fla. App. LEXIS 862, 1990 WL 11801

Snippet: 1976, the Florida legislature adopted section 627.4132, Florida Statutes (1976), prohibiting the stacking

Nationwide Mut. Fire Ins. Co. v. Kauffman

Court: District Court of Appeal of Florida | Date Filed: 1986-10-31

Citation: 495 So. 2d 1184

Snippet: Coming full circle, the 1976 version of section 627.4132, Florida Statutes, which furnished the underpinnings

United Services Automobile Assoc. v. Dixie Insurance Co.

Court: District Court of Appeal of Florida | Date Filed: 1986-04-17

Citation: 487 So. 2d 84, 11 Fla. L. Weekly 911, 1986 Fla. App. LEXIS 7282

Snippet: as in Harbach, is the interpretation of section 627.4132, Florida Statutes (the anti-stacking statute)

Fireman's Fund Ins. Co. v. Pohlman

Court: Supreme Court of Florida | Date Filed: 1986-03-27

Citation: 485 So. 2d 418, 11 Fla. L. Weekly 121, 1986 Fla. LEXIS 1817

Snippet: expiration date of March 1, 1982. At that time, section 627.4132, Florida Statutes (1977), provided that every

State Farm Mut. Auto. Ins. Co. v. Gant

Court: Supreme Court of Florida | Date Filed: 1985-09-26

Citation: 478 So. 2d 25, 10 Fla. L. Weekly 532

Snippet: The Gants relied on the amendment to section 627.4132, Florida Statutes (Supp. 1980), effective October

Pohlman v. Fireman's Fund Insurance Co.

Court: District Court of Appeal of Florida | Date Filed: 1985-06-25

Citation: 471 So. 2d 644, 10 Fla. L. Weekly 1593, 1985 Fla. App. LEXIS 14809

Snippet: In 1976, the Legislature first enacted Section 627.4132, Florida Statutes (Supp. 1976). The statute overrode

Auto-Owners Ins. Co. v. Prough

Court: District Court of Appeal of Florida | Date Filed: 1985-01-09

Citation: 463 So. 2d 1184, 10 Fla. L. Weekly 175

Snippet: were decided, the legislature enacted section 627.4132, Florida Statutes (1976), which specifically prohibited

AUTO. INS. CO. OF HARTFORD v. Beem

Court: District Court of Appeal of Florida | Date Filed: 1985-01-02

Citation: 469 So. 2d 138, 10 Fla. L. Weekly 98, 1985 Fla. App. LEXIS 11823

Snippet: invalid until the legislature enacted section 627.4132, Florida Statutes (Supp. 1976) (the "anti-stacking

STATE FARM MUT. AUTO. INS. v. Gant

Court: District Court of Appeal of Florida | Date Filed: 1984-09-26

Citation: 460 So. 2d 912, 10 Fla. L. Weekly 38

Snippet: first issue concerns the application of section 627.4132, Florida Statutes (1983). That statute was first