If you are involved in an accident with an uninsured motorist, our attorneys are skilled at finding hidden insurance policies that may cover your damages. Sources of compensation can include:
Our firm is conveniently located in Boca Raton, making it easy for you to set up a consultation with us. We handle all types of accident cases, including car accidents, hit and run incidents, and drunk driving collisions.
Despite Florida’s mandatory insurance requirements, many drivers operate vehicles without proper coverage. When you’re hit by an uninsured or underinsured driver, your own insurance policy’s uninsured motorist (UM) and underinsured motorist (UIM) coverage becomes critical.
UM coverage protects you when:
UIM coverage applies when the at-fault driver has insurance, but their policy limits are insufficient to cover your damages. For example, if your medical bills and losses total $100,000 but the at-fault driver only has $25,000 in coverage, your UIM coverage can make up the difference.
Unlike many states, Florida does not require drivers to carry UM coverage. However, insurance companies must offer it, and you must reject it in writing if you choose not to purchase it. Many Floridians unknowingly waived this important protection.
Our attorneys are skilled at identifying all sources of compensation for uninsured motorist victims.
Our attorneys excel at uncovering insurance policies and other sources of recovery that other lawyers might miss:
If the uninsured driver was working at the time of the accident, their employer may be liable under the legal doctrine of “respondeat superior.” Employers are typically required to carry commercial liability insurance with much higher limits than personal auto policies.
If the at-fault vehicle was owned by a business, there may be commercial insurance covering the accident even if the driver lacked personal coverage.
Bars or restaurants that served alcohol to the driver may be liable under Florida’s dram shop laws if they:
Some drivers carry umbrella liability policies that provide additional coverage beyond their auto insurance limits. These policies can be difficult to discover without experienced legal investigation.
Family members living in the same household as the at-fault driver may have insurance policies that cover the accident.
If the at-fault driver borrowed someone else’s vehicle, the vehicle owner may be liable for negligent entrustment if they knew or should have known the driver was unfit to operate the vehicle.
Your UM/UIM coverage can compensate you for:
UM/UIM claims can be more complex than standard insurance claims:
Unlike claims against another driver’s insurance, UM claims require you to negotiate with your own insurance company. While you pay premiums for this coverage, insurers often resist paying fair compensation.
You must prove the uninsured driver was at fault and demonstrate the extent of your damages. Insurance companies may dispute liability or minimize your injuries.
Understanding how UM coverage limits work, especially with stacked policies and offsets from other insurance payments, requires legal expertise.
Most UM claims include arbitration clauses requiring disputes to be resolved through arbitration rather than court trials. Experienced attorneys know how to navigate this process.
Let our experienced attorneys maximize your UM/UIM claim.
Uninsured motorist claims require specialized knowledge:
Florida law requires insurance companies to offer UM coverage. You only lack it if you specifically rejected it in writing. Review your policy declarations page or contact your insurance agent to verify your coverage.
Generally, filing a UM claim should not increase your rates since you weren’t at fault. However, insurance companies sometimes try to raise rates unfairly. An attorney can help protect against this and may negotiate provisions preventing rate increases.
If the uninsured driver lacks assets or insurance, your UM coverage becomes your primary source of compensation. This is why carrying adequate UM coverage is so important. Our attorneys also search for hidden insurance policies or other liable parties with assets.
Yes, if you purchased stacked coverage and insure multiple vehicles on your policy. Stacked coverage combines the limits from each vehicle, significantly increasing available compensation. However, stacking increases premiums, so many people opt for non-stacked coverage without understanding the implications.
This is when underinsured motorist (UIM) coverage applies. You first collect from the at-fault driver’s policy, then your UIM coverage pays the difference up to your policy limits. For example, if you have $100,000 in damages but the at-fault driver only has $25,000 in coverage, your UIM coverage would pay up to $75,000.
Timeline varies based on injury severity, policy limits, and whether arbitration is necessary. Simple cases may settle in 6-12 months, while complex cases requiring arbitration can take 18-24 months. We work efficiently while ensuring you receive maximum compensation.
If you are involved in an accident with an uninsured motorist in Boca Raton, don’t assume you have no options for recovery. Our attorneys are skilled at finding hidden insurance policies that may cover your damages, including policies held by the at-fault driver’s employer, uninsured motorist coverage on your own policy, and liability of bars or restaurants that served alcohol to the driver.
Our firm is conveniently located in Boca Raton at 10055 Yamato Rd Suite 509, Boca Raton, Florida 33498, United States, making it easy for you to set up a consultation with us. We offer free case evaluations and work on a contingency fee basis, so you pay nothing unless we recover compensation for you.
Don’t let an uninsured driver leave you without compensation. Contact us today to explore all available options for recovering the damages you deserve.
Expert attorneys finding hidden policies and maximizing recovery.
