My question involves an injury that occurred in the state of: FL
I was involved in an accident (not at fault). The other driver has 25k in BI coverage. I have additional uninsured motorist coverage. I know that the 25k in BI coverage has to be exhausted prior to using UM coverage. If the other person's insurance company settles for the full 25k, does my insurance do an accounting of how the 25k was spent before paying out any UM claims? How are UM claims usually handled?

