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Understanding UIM/UM Coverage in Florida

Tampa Bay Underinsured/Uninsured Motorist Lawyers

Uninsured/Underinsured Motorist LawyerAccidents happen every day. And when they do, you want to make sure that you are fully compensated for the damages and injuries you have suffered. If the other driver was uninsured or underinsured, you may need to speak with an Uninsured/Underinsured Motorist Lawyer.

Uninsured/underinsured claims are complex, so it is important that you speak to an experienced and knowledgeable underinsured/uninsured motorist attorney about your legal options. At The Fran Haasch Law Group, we will help you determine if your losses are covered and work to secure the full compensation you are owed. Contact us today for a free case evaluation.

Florida Car Insurance Laws

Florida drivers must show proof of two types of car insurance before they register their vehicles.

  1. Personal Injury Protection Insurance Coverage (PIP) covers 80% of your medical expenses and lost wages up to $10,000 regardless of who was at fault for the accident.
  2. Property Damage Liability Insurance Coverage (PDL) pays for the damage to another driver’s vehicle or someone else driving your vehicle, up to your policy limit.

Uninsured/Underinsured Motorist Coverage

Unlike PIP and PDL coverage, UIM/UM coverage is not required in Florida, but it is something you should consider purchasing. UIM/UM insurance protects you if you are involved in an accident with an underinsured or uninsured driver.

UM/UIM coverage is relatively inexpensive, and it is well worth the peace of mind that it can provide.

UIM/UM Coverage and Hit-and-Run Car Accidents

UIM/UM coverage protects you in car accidents with uninsured drivers and protects you from hit-and-run accidents. When you have this coverage, a law firm will help you file a claim against your own insurance company regardless of if the other driver is found or if they had car insurance.

What Does Uninsured Motorist Cover?

In most cases, UM/UIM coverage pays for the following damages: 

  • Medical bills
  • Ongoing and long-term medical treatment
  • Medical equipment (such as wheelchairs)
  • Loss of income/wages
  • Lost or reduced earning ability (disability)
  • Pain and suffering

When you purchase your insurance, it is a good idea to purchase collision coverage. This will cover expenses related to your vehicle if an uninsured or underinsured motorist hits you. UIM and UM coverage does not pay for property damage to your car.

What Happens If You Don’t Have Uninsured Motorist Coverage in Florida?

If you do not have UM/UIM coverage and are involved in an accident with an uninsured or underinsured driver, you will likely have to pay for your damages. If an underinsured motorist hits you and you do not have UIM/UM coverage, you could be left facing enormous medical bills and other devastating, life-altering damages.

Filing a Lawsuit Against the At-Fault Driver

If you have been in an accident with an uninsured or underinsured driver, you may be able to file a lawsuit against the at-fault driver to recover damages. In a personal injury lawsuit, you will need to prove that the at-fault driver was negligent and that their negligence caused your injuries.

Negligence is the failure to use reasonable care, which is the care that a reasonably prudent person would use in similar circumstances. To prove negligence, you will need to show that the at-fault driver owed you a duty of care, they breached that duty, and as a result of their breach, you were injured and suffered damages.

What The Fran Haasch Law Group Can Do For You

At The Fran Haasch Law Group, we focus on helping you and your family recover. We pursue personal injury lawsuits and wrongful death claims to obtain full compensation for damages such as pain and suffering, medical expenses, lost earnings, property damage, and more.

vehicle accidentWith over 20 years of experience, we draw on constant medical research to help clients recover after being injured in auto accidents in Tampa Bay and the surrounding areas. Founding personal injury attorney, Fran Haasch, is a lifetime member of the Multimillion Dollar Advocates Forum and a member of the American Association for Justice, the Florida Justice Association, and the Tampa Bay Trial Lawyers Association.

Our attorneys are skilled and experienced litigators. We are not afraid to take your lawsuit to trial if necessary. No matter how complicated your case, our firm is here to help you navigate the legal process from start to finish.

We Get You the Compensation You Deserve

At The Fran Haasch Law Group, we understand that no amount of financial recovery can undo what you have been through. However, a fair settlement or jury verdict can ease the financial burden of unexpected medical bills, lost income, and other economic and non-economic damages associated with your accident.

We have obtained multi-million-dollar jury verdicts and settlements in cases involving auto accidents, as well as claims concerning wrongful death and catastrophic injuries. Our Case Results

  • $1.8 million for our client in Pinellas County who was injured in a car accident
  • $1.8 million for a 33-year-old female client in  Hillsborough County who was lawfully stopped for a left-turning vehicle ahead when she was rear-ended by the defendant vehicle, which was then rear-ended by the vehicle behind it, causing the client to feel two impacts. This resulted in multiple back surgeries and an infection which caused the client to be hospitalized several times.
  • $1.6 million for a 25-year-old female passenger on a motorcycle when the defendant cut across the client’s path. The client was thrown over 200 feet from the motorcycle. The accident resulted in a fractured leg, broken finger, back surgery, and many other injuries.
  • $1.55 million for a 46-year old male in Pasco County who was stopped at a red light on U.S. Highway 19 in Pasco County and was rear-ended by the defendant at a high rate of speed.
  • $1.35 million for a client in Pasco County. The defendant turned left in front of our client, causing the client’s vehicle to flip and resulting in many injuries.
  • $1.34 million for a 69-year-old male client in Orange County who was in the left turn lane when the defendant came across his pathway while attempting to turn and collided with the client. The accident resulted in multiple severe injuries, including a fractured pelvis, broken ribs, punctured lung, a broken arm that required surgery, and several lacerations.
  • $1.3 million for a 33-year-old female client in Pinellas County who was rear-ended while stopped at a traffic light with her three children in the car with her. The accident resulted in multiple surgeries and complications.
  • $1.025 for our client injured in a car accident in Hillsborough County.
  • $1.0 million for a client in Hillsborough County rear-ended in stop-and-go traffic on the interstate.

Contact an experienced Florida Uninsured Motorist Lawyer Today

At The Fran Haasch Law Group, we are committed to fighting for your fair recovery. We strive to help injured individuals and the loved ones of those wrongfully killed, secure the full, fair recovery they are owed. We offer dedicated legal representation for car accident victims and victims of bicycle, rideshare, and semi-truck accidents. 

If you feel you have been the victim of a car accident through no fault of your own. Our attorneys are prepared to help you navigate the legal process and work toward securing the maximum compensation you are owed. Call (727) 637-0100 or contact us online to get started on receiving maximum compensation for your personal injury case.

More About Car Accidents

Want to learn more about car accidents? Whether its how to prevent them or what to do once you’ve been in one, our blog can help you gather the knowledge and information you need.