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: Fla. | Date Filed: 2010-04-08T00:00:00-07:00

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: Fla. Dist. Ct. App. | Date Filed: 2009-01-07T23:53:00-08:00

Citation: 999 So. 2d 1081

Snippet: coverage for an additional vehicle after section 627.4132, Florida Statutes, had been amended to permit …question of statutory interpretation under section 627.4132, Florida Statutes (1999)[sic], dealing with antistacking

Auto-Owners Insurance Co. v. Petrik

Court: Fla. Dist. Ct. App. | Date Filed: 2005-10-07T00:00:00-07:00

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…uninsured motorist coverage was contrary to section 627.4132 and therefore unenforceable. Auto-Owners Ins.

Gasch v. Harris

Court: Fla. Dist. Ct. App. | Date Filed: 2002-03-05T23:53:00-08:00

Citation: 808 So. 2d 1260

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

United Services Auto. Ass'n v. Roth

Court: Fla. Dist. Ct. App. | Date Filed: 1999-11-09T23:53:00-08:00

Citation: 744 So. 2d 1227

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

Government Employees Ins. Co. v. Stafstrom

Court: Fla. Dist. Ct. App. | Date Filed: 1996-01-18T23:53:00-08:00

Citation: 668 So. 2d 631

Snippet: was created so that the provisions of section 627.4132, adopted between the issuance of the original …the "new contract." However, section 627.4132, unlike section 627.727, did not have a provision…have reached a different conclusion had section 627.4132 provided: This provision shall not apply to any

Government Employees Ins. Co. v. Douglas

Court: Fla. | Date Filed: 1995-03-08T23:53:00-08:00

Citation: 654 So. 2d 118

Snippet: enacted a non-stacking statute in 1976, section 627.4132, that prohibited stacking and applied to all aspects…underinsured motor vehicle coverage. The present law, s. 627.4132, is the so-called "anti-stacking law."…reads as follows: A. Present Situation: Section 627.4132, F.S., is the so-called "anti-stacking law

Grant v. State Farm Fire and Cas. Co.

Court: Fla. Dist. Ct. App. | Date Filed: 1993-07-21T00:53:00-07:00

Citation: 620 So. 2d 778

Snippet: accident, not the truck. Id. at 1081. Citing section 627.4132, Florida Statutes (1977), which prohibits the …since Indomenico and Kuhn were decided, section 627.4132 has been amended to omit its reference to UM coverage

Teachers Ins. Co. v. Bollman

Court: Fla. Dist. Ct. App. | Date Filed: 1993-04-30T00:53:00-07:00

Citation: 617 So. 2d 817

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

Florida Farm Bureau Cas. Co. v. Hurtado

Court: Fla. | Date Filed: 1991-11-06T23:53:00-08:00

Citation: 587 So. 2d 1314

Snippet: Fla. (amending § 627.4132, Fla. Stat. (1979)). The law, as amended, provided: 627.4132 Stacking of coverages…Constitution. [2] Section 627.4132, Florida Statutes (1987), provides: 627.4132 Stacking of Coverages prohibited…issued to his corporate employer under section 627.4132, Florida Statutes (1987).[2] Florida Farm seeks…Trombley, 445 So.2d at 709, which construed section 627.4132 as permitting only named insureds and their resident…noting that there is nothing on the face of section 627.4132 to preclude Hurtado from receiving the benefits

Quirk v. Anthony

Court: Fla. Dist. Ct. App. | Date Filed: 1990-04-25T00:53:00-07:00

Citation: 563 So. 2d 710

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

Hurtado v. Florida Farm Bureau Casualty Co.

Court: Fla. Dist. Ct. App. | Date Filed: 1990-02-13T00:00:00-08:00

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

Snippet: effect of section 627.4132, Florida Statutes (1980), which is identical to section 627.-4132, Florida Statutes… 1976, the Florida legislature adopted section 627.4132, Florida Statutes (1976), prohibiting the stacking…statute was amended and the prohibition repealed. § 627.4132, Fla.Stat. (1980). Once again, stacking of uninsured…would benefit from the 1980 amendment to section 627.4132. The Senate Statement explains that the effect… to benefit from the 1980 amendment to section 627.4132, allowing the stacking of uninsured motorist coverage

Nationwide Mut. Fire Ins. Co. v. Kauffman

Court: Fla. Dist. Ct. App. | Date Filed: 1986-10-30T23:53:00-08:00

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: Fla. Dist. Ct. App. | Date Filed: 1986-04-17T00:00:00-08:00

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: Fla. | Date Filed: 1986-03-26T23:53:00-08:00

Citation: 485 So. 2d 418

Snippet: expiration date of March 1, 1982. At that time, section 627.4132, Florida Statutes (1977), provided that every …policy contained an antistacking provision. Section 627.4132 was amended, effective October 1, 1980, to remove

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

Court: Fla. | Date Filed: 1985-09-26T00:53:00-07:00

Citation: 478 So. 2d 25

Snippet: . The Gants relied on the amendment to section 627.4132, Florida Statutes (Supp. 1980), effective October…stacking issue, holding that the amendment of section 627.4132 to permit stacking of uninsured motorist coverage…Dewberry this Court held that applying section 627.4132 to prohibit the stacking of uninsured motorist

Pohlman v. Fireman's Fund Insurance Co.

Court: Fla. Dist. Ct. App. | Date Filed: 1985-06-25T00:00:00-07:00

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

Snippet: was written, Section 627.4132, Florida Statutes (1977), provided: "627.4132 Stacking of coverages…In 1976, the Legislature first enacted Section 627.4132, Florida Statutes (Supp. 1976). The statute overrode…the accident causing injury to Pohlman), Section 627.4132, Florida Statutes, was again amended so as to …and remanded for further proceedings. . Section 627.4132, Florida Statutes (Supp. 1980), re-enacted in …in 1981 and in effect in 1982, provided: "627.4132. Stacking of coverages prohibited. —If an insured

Auto-Owners Ins. Co. v. Prough

Court: Fla. Dist. Ct. App. | Date Filed: 1985-01-08T23:53:00-08:00

Citation: 463 So. 2d 1184

Snippet: insureds. § 627.4132, Fla. Stat. (1976). However, in 1980, the legislature amended section 627.4132. Under … were decided, the legislature enacted section 627.4132, Florida Statutes (1976), which specifically prohibited

AUTO. INS. CO. OF HARTFORD v. Beem

Court: Fla. Dist. Ct. App. | Date Filed: 1985-01-01T23:53:00-08:00

Citation: 469 So. 2d 138

Snippet: the impediment of section 627.4132 applying to uninsured motorists. § 627.4132, Fla. Stat. (Supp. 1980)… invalid until the legislature enacted section 627.4132, Florida Statutes (Supp. 1976) (the "anti-stacking…cert. denied, 385 So.2d 762 (Fla. 1980). Section 627.4132, Florida Statutes (Supp. 1976) had two purposes…Mullis was changed with the passage of section 627.4132, Florida Statutes (Supp. 1976), and as amended…in construing the relevant provision of section 627.4132, Florida Statutes (Supp. 1980). We are unpersuaded

STATE FARM MUT. AUTO. INS. v. Gant

Court: Fla. Dist. Ct. App. | Date Filed: 1984-09-26T00:53:00-07:00

Citation: 460 So. 2d 912

Snippet: first issue concerns the application of section 627.4132, Florida Statutes (1983). That statute was first… 521 (1981). Accordingly, we find that section 627.4132, as amended October 1, 1980, may constitutionally