Uninsured or Underinsured (UM/UIM) Accident Lawyer

Written and edited by our team of expert legal content writers and reviewed and approved by Daniel Harwin

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Table of Contents

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.

Proving Fault

If you make a claim on your underinsured motorist policy, it will be necessary to show that the other driver was at fault.

For this reason, making a claim on your underinsured motorist provision can be difficult. You will need an attorney to help establish the evidence that you are entitled to compensation. Establishing fault is aided by having the police report of your accident, any photos of the scene of the crime, collecting witness statements, if any, and possibly expert testimony as well.

Experience You Can Trust

The attorneys of Freedland Harwin Valori Gander, PL have the knowledge and vast experience to pursue underinsured motorist claims. We have proven results in getting victims the compensation they deserve. We care about our clients and work hard to see that no stone is left unturned in getting you the compensation you need to cover medical expenses, lost wages, and rehab costs so that you can resume your life after an accident.

There are time limits on filing underinsured motorist claims. If you believe that the amount of your claim may exceed your personal injury protection coverage, you should not delay in speaking with us.

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