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Fla. Stat. § 627.4132 (2025)

Stacking of coverages prohibited.

✓ 2025 Florida Statutes — current through the 2025 Regular Session
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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.
Notes of Decisions
Cited in 75 cases, 1977–2010 · leading case: Dewberry v. Auto-Owners Ins. Co., 363 So. 2d 1077 (Fla. 1978).
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Dewberry v. Auto-Owners Ins. Co., 363 So. 2d 1077 (Fla. 1978). · cites it 18× “NOTES [1] § 627.4132, Fla. Stat. (Supp. 1976), reads: "Stacking of coverages prohibited.”
New Hampshire Ins. Grp. v. Harbach, 439 So. 2d 1383 (Fla. 1983). · cites it 22× “We again must resolve conflicts in the interpretation of section 627.4132, Florida Statutes (Supp.”
Metro. Prop. & Liab. Ins. Co. v. Gray, 446 So. 2d 216 (Fla. 5th DCA 1984). · cites it 10× “Prior to its amendment [1] effective October 1, 1980, section 627.4132, Florida Statutes (1979), mandated that every uninsured motorist policy provide total coverage only to the extent of coverage on one of the vehicles covered (called anti-stacking).”
Indomenico v. State Farm Mut. Auto Ins. Co., 388 So. 2d 29 (Fla. 3d DCA 1980). · cites it 13× “Although the motorcycle operated by the minor was not separately covered by a policy of insurance, the minor's father owned three vehicles which were covered by three separate policies issued by the appellee, State Farm Mutual Auto Insurance Company.”
Florida Farm Bureau Cas. Co. v. Hurtado, 587 So. 2d 1314 (Fla. 1991). · cites it 14× “§ 627.4132, Fla. Stat. (Supp. 1976) (emphasis added).”
State Farm Mut. Auto. Ins. Co. v. Lewis, 425 So. 2d 603 (Fla. 4th DCA 1982). · cites it 14× “State Farm, while acknowledging earlier case law invalidating a similar provision, asserts on appeal that section 627.4132, Florida Statutes (1976) has superseded the case law by specifically authorizing such limitations on uninsured motorist coverage.”
Auto. Ins. Co. of Hartford v. Beem, 469 So. 2d 138 (Fla. 3d DCA 1985). · cites it 13× “1976), and as amended in 1980, so that instead of uninsured motorist protection following people, it attached to the specifically insured or identified motor vehicle.”
Kokay v. South Carolina Ins. Co., 380 So. 2d 489 (Fla. 3d DCA 1980). · cites it 7× “The trial judge ruled with the insurance company that, under § 627.4132, only the ,000 limits of one policy were available.”
Rando v. Gov't Employees Ins. Co., 39 So. 3d 244 (Fla. 2010). · cites it 4× “See § 627.4132, Fla. Stat. (2009) (providing that the prohibition against stacking of motor vehicle insurance policies contained in that statute "does not apply .”
Hausler v. State Farm Mut. Auto Ins. Co., 374 So. 2d 1037 (Fla. 2d DCA 1979). · cites it 8× “In their briefs the parties argue the issue of the definition of "vehicle" as used in Section 627.4132, Florida Statutes (1977).”
State Farm Mut. Auto. Ins. v. Kuhn, 374 So. 2d 1079 (Fla. 3d DCA 1979). · cites it 4× “The dispositive question presented for our determination is whether Kuhn is precluded by Section 627.4132, Florida Statutes (1977), below, from recovery of the uninsured motorist benefits provided in the truck policy.”
South Carolina Ins. Co. v. Kokay, 398 So. 2d 1355 (Fla. 1981). · cites it 5× “— If an insured or named insured is protected by any type of motor vehicle insurance policy for liability, uninsured motorist, personal injury protection, or any other coverage, the policy shall provide that the insured or named insured is protected only to the extent of the…”
Show all 75 citing cases →
— 627.4132(1) — 1 case
Metro. Prop. & Liab. Ins. Co. v. Gray, 446 So. 2d 216 (Fla. 5th DCA 1984). “Prior to its amendment [1] effective October 1, 1980, section 627.4132, Florida Statutes (1979), mandated that every uninsured motorist policy provide total coverage only to the extent of coverage on one of the vehicles covered (called anti-stacking).”
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This Florida statute resource is curated by Florida Bar member Graham W. Syfert, a Jacksonville, Florida personal injury and workers' compensation attorney (Florida Bar No. 39104). Attorney Syfert regularly handles Chapter 627 matters in the context of insurance coverage law and represents clients throughout Northeast Florida. For legal consultation, call 904-383-7448.