Uninsured & Underinsured Motorist Claims

Uninsured & Underinsured Motorist Claims Lawyer in Florida – Protecting Your Rights


Helping Accident Victims Recover Compensation When the At-Fault Driver is Uninsured


Car accidents can be financially devastating, especially when the at-fault driver has no insurance or inadequate coverage. Florida has one of the highest rates of uninsured drivers, leaving victims struggling to cover medical bills, lost wages, and vehicle repairs. If you were injured in an accident caused by an uninsured or underinsured driver, you may still be able to recover compensation. At Lieberman Injury Law, we help clients navigate uninsured motorist (UM) and underinsured motorist (UIM) claims to ensure they receive the financial recovery they deserve.

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What is Uninsured & Underinsured Motorist Coverage?

Uninsured motorist (UM) and underinsured motorist (UIM) coverage are insurance policies designed to protect you if the at-fault driver lacks sufficient insurance.


  • Uninsured Motorist (UM) Coverage: Applies when the at-fault driver has no insurance at all.
  • Underinsured Motorist (UIM) Coverage: Helps when the at-fault driver’s insurance policy does not fully cover your damages.


While Florida does not require UM/UIM coverage, insurance companies must offer it. If you have this coverage on your policy, it can provide essential financial protection in an accident.

How Does an Uninsured Motorist Claim Work?

If you are injured by an uninsured or underinsured driver, your own insurance company may cover your damages under your UM/UIM policy. This can include compensation for:


  • Medical expenses
  • Lost wages and reduced earning capacity
  • Pain and suffering
  • Rehabilitation and long-term care


Unfortunately, insurance companies often try to minimize payouts. Having a lawyer handle your UM/UIM claim ensures you receive the maximum compensation available.

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Challenges in Uninsured & Underinsured Motorist Claims

Filing a UM/UIM claim may seem straightforward, but insurance companies often delay or deny payments. Some common challenges include:

  • Disputes over whether UM/UIM coverage applies to your accident
  • Insurance adjusters undervaluing your medical expenses and damages
  • Attempts to blame you for the accident to reduce your compensation
  • Delays in processing your claim to pressure you into accepting a low settlement



Our legal team at Lieberman Injury Law fights aggressively against insurance company tactics to ensure you receive full compensation.

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What to Do If You Are Hit by an Uninsured or Underinsured Driver

If you are involved in an accident with an uninsured or underinsured driver, follow these steps to protect your legal rights:

  1. Call 911 and report the accident to law enforcement.
  2. Seek medical attention, even if injuries seem minor.
  3. Obtain the at-fault driver’s contact information and proof of insurance (if available).
  4. Take photos of the accident scene, vehicle damage, and visible injuries.
  5. Contact your insurance company to report the accident.
  6. Speak with an uninsured motorist lawyer before accepting any insurance settlement.

Frequently Asked Questions

  • Do I need uninsured motorist coverage in Florida?

    Florida does not require UM/UIM coverage, but having it on your policy provides critical protection in case of an accident with an uninsured driver.

  • Can I file a lawsuit against an uninsured driver?

    Yes, but many uninsured drivers lack the financial resources to pay damages. UM coverage is often the best way to recover compensation.

  • How long do I have to file a UM/UIM claim?

    Insurance companies set their own deadlines for UM/UIM claims, so it’s best to file as soon as possible. In Florida, personal injury lawsuits must generally be filed within two years of the accident.

Contact a Florida Uninsured Motorist Claims Lawyer Today

If you were injured in an accident caused by an uninsured or underinsured driver, you don’t have to navigate the insurance process alone. Lieberman Injury Law is dedicated to helping victims recover the compensation they deserve.


Call (954) 596-9944 or (800) 973-5331 today or send us your case details to schedule a free consultation.