Uninsured or Underinsured (UM/UIM) Accident Lawyer

Florida law requires every driver to carry particular types of insurance. However, not everyone does.  That is where underinsured motorist coverage comes into play.   If the other driver does not have insurance or your damages exceed the policy amount of the other driver who is all or partially at fault, uninsured motorist insurance may provide coverage to pay you.

Florida’s requirements for personal liability insurance for drivers are some of the lowest in the nation so this is an important provision.

Florida law requires each driver carry at a minimum:

• $10,000 in no-fault personal injury protection
• $10,000 in property damage liability insurance

The personal injury protection will pay for your medical expenses if an accident causes an injury to you. This is a no-fault policy, which means your insurance will pay for your injuries, regardless of who is at fault.

Should your medical expenses exceed the amount of personal injury protection of your policy, you may attempt to collect the remainder of your expenses from the driver at fault in the accident. A driver may purchase bodily injury liability insurance that pays in the event that you are at fault in an accident and injure someone above what the injured person’s insurance policy covers. In that case, you may collect compensation from his or her insurance company up to the amount of bodily injury liability coverage.

The law also requires Florida auto insurers to offer underinsured motorist coverage. If you have purchased this coverage, you may collect compensation for your injuries above that amount of your personal injury protection and any bodily injury liability the other driver may have purchased.