Linda has a non-stacked Uninsured Motorist (UM) policy of $100,000. After being hit by a driver who leaves the scene, what is the maximum she can collect?

In the context of Florida's insurance regulations, Linda's non-stacked Uninsured Motorist (UM) policy essentially means that her coverage applies individually per accident and not multiplied by the number of vehicles covered under the policy. Since she has a UM policy limit of $100,000, this represents the maximum amount she can recover in the event of an accident caused by an uninsured motorist or in a situation where the motorist is not identifiable, such as a hit-and-run.

In this scenario where Linda was struck by a driver who then left the scene, she is eligible to claim against her UM coverage for damages resulting from the accident. Because her policy is set at $100,000, this amount is the maximum she can collect for her injuries or damages. The nature of a non-stacked policy does not allow for an accumulation of benefits, nor does it provide benefits for additional vehicles, so her maximum recovery remains capped at her policy limit.

Thus, Linda can collect up to $100,000, which aligns with the characteristics of her non-stacked UM insurance coverage.