Judge. Kathleen Swan, as personal representative of the Estate and Survivors of Alan Swan, Sr., deceased, and Mary Joe Swan, appeal a final summary judgment entered in favor of State Farm Mutual Automobile Insurance Company on their claim for stacked uninsured motorist (“UM”) benefits under an automobile insurance policy. Because the insureds expressly rejected UM coverage on the subject policy and paid no premium for such coverage, we affirm. See Coleman v. Fla. Ins. Guar. Ass’n, 517 So.2d 686, 689-91 (Fla.1988) (<HOLDING>); Collins v. Gov’t Employees Ins. Co., 922
holding that an insurer may  assert as defenses the nonnegligence of the uninsured the contributory negligence of the insured and the lack of resulting damage all being matters of substantive law and legal defenses of the uninsured but it does not  succeed  to the rights of the uninsured motorist to interpose the latters procedural defense of statute of limitations holding that a hit and run or unknown driver is deemed to be uninsured for purposes of the uninsured motorist statute holding that the rejection was made a part of the policy because the declarations pages included the statements uninsured motorist covs rejected and uninsured motorists coverages have been rejected holding that language requiring insurer to pay all sums which the insured  shall be legally entitled to recover as damages from the owner or operator of an uninsured automobile includes recovery of exemplary damages under uninsured motorist provision of policy holding that while the owner of several vehicles by paying a single premium for um coverage applicable to only one of them secures um coverage for himself and his family while occupying the uninsured vehicles as well as the insured vehicle the number of uninsured motorist coverages available to be stacked should be based upon the number of coverages for which uninsured motorist premiums were paid