Which of the following is NOT a way to purchase Uninsured Motorist (UM) coverage?

The correct answer indicates that purchasing Uninsured Motorist (UM) coverage for more than the Bodily Injury (BI) limits is not a standard option. Uninsured Motorist coverage is intended to protect policyholders in the event they are involved in an accident with a driver who has no insurance or insufficient insurance.

Typically, UM coverage can be purchased in several ways. It can be equal to the BI limits, meaning that if a driver has a BI limit of $50,000 per person, they can likewise opt for a UM limit of $50,000. Additionally, they can choose to reject the coverage altogether, in which case they would not have any UM protection.

The term 'non-stacked' refers to a type of UM coverage where the driver cannot combine limits from multiple vehicles insured under the same policy to increase their total UM coverage. This contrasts with 'stacked' coverage, where a policyholder can combine limits from multiple cars to increase their available coverage in the event of an accident.

Consequently, selecting UM coverage for more than the BI limits is not a standard offering within typical insurance products in Florida, making it the choice that does not fit the conventional options available for purchasing UM coverage.