A Guide to Uninsured Motorist Coverage in Florida: Protecting Yourself

A Guide to Uninsured Motorist Coverage in Florida: Protecting Yourself

A Guide to Uninsured Motorist Coverage in Florida: Protecting Yourself 2560 1440 Mark Ramilo

Understanding Uninsured Motorist Coverage in Florida: Safeguarding Against the Uninsured and Underinsured

If you are a driver in Florida, you may have heard of uninsured motorist coverage, or UM for short. But what is it, and why do you need it? In this guide, we will explain the basics of UM coverage, how it can protect you from the financial consequences of an accident caused by an uninsured or underinsured driver, and what to do if you are involved in such a situation.

According to the Florida Department of Highway Safety and Motor Vehicles, Florida has one of the highest rates of uninsured drivers in the nation, with about 24% of drivers having no insurance at all. This means that if you are in an accident with one of them, you may not be able to recover any compensation for your medical bills, lost wages, property damage, or pain and suffering. Even if the other driver has some insurance, it may not be enough to cover all of your damages, especially if you have serious injuries.

That’s where UM coverage comes in. UM coverage is an optional type of insurance that you can purchase as part of your own auto policy. It covers you and your passengers for bodily injury and property damage caused by a driver who has no insurance or insufficient insurance. It also covers you if you are a victim of a hit-and-run accident. UM coverage can help you pay for your expenses and losses that the other driver’s insurance cannot or will not cover.

At Bengal Law: Florida Car Accident Lawyers and Personal Injury Attorneys PLLC, we understand how frustrating and stressful it can be to deal with an uninsured or underinsured motorist claim. That’s why we are committed to helping our clients navigate the complexities of personal injury law and fight for the compensation they deserve. We have the experience, knowledge, and resources to handle all aspects of your case, from investigating the accident to negotiating with the insurance companies to taking your case to trial if necessary. We work on a contingency fee basis, which means you don’t pay us anything unless we win your case.

If you have been injured in an accident with an uninsured or underinsured driver, don’t hesitate to contact us today for a free consultation. We will review your case, answer your questions, and advise you on the best course of action. We are here to help you protect yourself and your rights.

Florida Accident Statistics

You may be wondering how common are accidents involving uninsured or underinsured drivers in Florida. According to the Traffic Crash Facts Annual Report 2020, there were a total of 340,918 traffic crashes reported in Florida in 2020, resulting in 212,269 injuries and 3,286 fatalities. Of these crashes, 22% involved at least one driver who was uninsured or underinsured. This means that nearly one in four crashes involved a driver who could not fully compensate the victims for their damages.

The report also shows that the most common types of crashes involving uninsured or underinsured drivers were rear-end collisions (32%), angle collisions (25%), and sideswipe collisions (12%). The most common contributing factors were careless driving (36%), failure to yield right-of-way (13%), and following too closely (10%). The most common locations were intersections (37%), driveways (15%), and parking lots (9%).

These statistics illustrate the importance of having UM coverage in Florida. Without it, you may be left with huge medical bills, lost income, and other expenses that you have to pay out of your own pocket. You may also face legal challenges from the other driver’s insurance company or their lawyer, who may try to deny or reduce your claim. With UM coverage, you can have peace of mind knowing that you have a reliable source of compensation in case of an accident with an uninsured or underinsured driver.

UM coverage is not mandatory in Florida, but it is highly recommended. The minimum amount of UM coverage that you can buy is equal to the minimum amount of bodily injury liability coverage that you are required to have by law. However, you may want to consider buying more than the minimum amount, depending on your personal situation and needs. You can also choose between stacked and non-stacked UM coverage, which have different benefits and costs.

Understanding Uninsured Motorist Coverage:

Definition and Basics of Uninsured Motorist Coverage

Uninsured Motorist (UM) Coverage is a type of auto insurance that protects you if you’re involved in a collision with a driver who either doesn’t have any insurance or doesn’t have enough to cover your damages. Essentially, it steps in to cover medical bills, lost wages, and other damages when the at-fault driver’s insurance is insufficient or non-existent.

There are two primary types of UM coverage

Uninsured Motorist Bodily Injury (UMBI): This covers medical expenses, lost wages, and other injury-related expenses for you and your passengers if you’re hit by an uninsured driver. It can also come into play if you’re a victim of a hit-and-run accident.

Uninsured Motorist Property Damage (UMPD): This pays for damages to your vehicle or property caused by an uninsured driver. However, it’s worth noting that in some states and policies, UMPD coverage might not be available or might be subject to certain limitations.

Why It’s Essential in Florida

Florida, known for its sunny beaches and bustling roads, unfortunately, also has a high percentage of drivers without adequate insurance. Several reasons make UM coverage crucial in the Sunshine State:

High Rate of Uninsured Drivers: Florida consistently ranks among the states with the highest number of uninsured drivers. This means that there’s a significant chance that if you’re involved in an accident, the other party might not have the necessary insurance to cover your damages.

No-Fault State: Florida operates under a no-fault insurance system. This means that after most car accidents, an injured person’s own insurance policy will pay some or all of their medical bills and lost earnings, regardless of who was at fault for the accident. However, this system can sometimes fall short, especially if injuries are severe. UM coverage can help bridge the gap.

Protecting Personal Assets: Without UM coverage, if you’re hit by an uninsured driver, you might have to pay out-of-pocket for medical bills and car repairs. This can quickly deplete savings and other personal assets.

Peace of Mind: Beyond the financial aspects, having UM coverage offers peace of mind. Knowing that you’re protected, even if the unexpected happens, allows you to drive with confidence.

The Risks of Driving Without Uninsured Motorist Coverage

Statistics on Uninsured Drivers in Florida

Florida’s roads are bustling with a mix of residents, tourists, and commercial vehicles. However, a concerning aspect of this mix is the high number of uninsured drivers. Here are some startling statistics:

High Ranking: Florida consistently ranks among the top three states with the highest percentage of uninsured drivers. As of recent data, nearly one in four drivers in Florida is uninsured. This means that if you’re involved in an accident, there’s a 25% chance the other driver might not have insurance.

Increasing Trend: Over the years, the number of uninsured drivers in Florida has been on the rise, making the need for protection even more pressing.

Tourist Factor: Florida’s position as a top tourist destination means many drivers are unfamiliar with local roads, potentially increasing the risk of accidents. Some of these tourists might be driving rental cars without adequate insurance coverage.

Driving without Uninsured Motorist Coverage in Florida can expose drivers to significant financial and legal risks:

Out-of-Pocket Expenses: If you’re involved in an accident with an uninsured driver, you might be left to cover medical bills, car repairs, and other damages on your own. These costs can quickly escalate, especially if injuries are severe or if there’s significant damage to your vehicle.

Legal Battles: While you have the right to sue an uninsured driver for damages, this process can be lengthy, stressful, and expensive. Moreover, if the uninsured driver lacks assets, even a successful lawsuit might not result in adequate compensation.

Lost Wages: If injuries from the accident prevent you from working, you might face a loss of income. Without UM coverage, there’s no safety net to cover these lost wages.

Long-Term Financial Implications: Serious accidents can result in long-term medical needs or permanent disabilities. Without the buffer of UM coverage, victims might face years or even a lifetime of financial strain.

Emotional and Psychological Stress: Beyond the tangible financial and legal consequences, victims might experience significant emotional and psychological stress, knowing they’re not adequately protected.

In light of these risks, it’s evident that while Uninsured Motorist Coverage might seem like an optional add-on, it’s a crucial layer of protection for Florida drivers. The potential consequences of driving without it far outweigh the costs of adding it to your insurance policy.

Steps to Take if You’re Involved in an Accident with an Uninsured Motorist

Immediate Actions to Consider

Being involved in an accident is always stressful, but discovering the other party is uninsured can amplify the anxiety. If you find yourself in such a situation, here are some immediate steps to consider:

Ensure Safety First: Before anything else, check for injuries. If anyone is hurt, call 911 immediately. If possible, move vehicles out of the flow of traffic to a safe location.

Contact the Police: Even if the accident seems minor, it’s crucial to have an official report, especially when dealing with an uninsured motorist. This report can be invaluable when pursuing a claim.

Gather Information: Collect as much information as possible from the other driver, including their name, contact details, and any other relevant information. While they may not have insurance details to provide, gathering what you can is essential.

Document the Scene: Take photos of the accident scene, vehicle damages, any visible injuries, and any other relevant details. These can serve as evidence if you need to make a claim.

Speak to Witnesses: If there are any witnesses, gather their contact information and statements. Their perspective can be crucial in building a strong case.

Avoid Admitting Fault: Even if you believe you might have been partially at fault, avoid making any statements that could be construed as an admission of guilt.

The Importance of Contacting a Knowledgeable Attorney like Jeff Starker

Once the immediate aftermath of the accident is addressed, it’s crucial to seek legal counsel, especially when dealing with an uninsured motorist. Here’s why:

Navigating Complex Claims: Filing a claim against an uninsured motorist can be complex. A knowledgeable attorney can guide you through the process, ensuring you take the right steps.

Maximizing Compensation: With the expertise of someone like Jeff Starker, you can be assured that every avenue for compensation is explored, ensuring you get the maximum amount you’re entitled to.

Dealing with Your Own Insurance: In cases involving uninsured motorists, you might need to file a claim with your own insurance under your Uninsured Motorist Coverage. Having an attorney ensures that your rights are protected even when dealing with your own insurer.

Peace of Mind: Knowing you have a seasoned professional on your side can alleviate much of the stress and uncertainty following an accident.

No Upfront Costs: Many personal injury attorneys, including Jeff Starker, work on a contingency fee basis, meaning you don’t pay unless you win. This ensures you get top-tier representation without any immediate financial burden.


Navigating the roads of Florida comes with its own set of challenges, and the high prevalence of uninsured motorists only adds to the complexity. As we’ve discussed, being involved in an accident with an uninsured driver can lead to significant financial, legal, and emotional challenges. It underscores the importance of not only being adequately insured yourself but also having a robust legal advocate by your side should the unexpected occur.

Bengal Law’s unique approach, rooted in personal attention and a deep understanding of insurance company tactics, ensures that clients are not just represented, but genuinely cared for. Our commitment to low volume and high value means that every story, every challenge, and every individual is given the time and attention they rightfully deserve.

If you or a loved one has been involved in an accident, especially with an uninsured motorist, don’t navigate the aftermath alone. Reach out to Bengal Law. Share your story with us, and let our team of dedicated professionals guide you through the legal maze, ensuring that your rights are protected and your voice is heard.

Your journey to justice and fair compensation begins with a conversation. Contact Bengal Law today for a personalized consultation. Together, we can chart the best path forward, ensuring that you’re not just another statistic but a testament to resilience, justice, and the power of expert legal representation.

About Bengal Law

Founded on the principles of integrity, dedication, and unparalleled client service, Bengal Law has carved a niche for itself in the realm of personal injury law in Florida. Our journey began with a singular vision: to provide a beacon of hope and justice for those wronged, especially in the complex landscape of accidents involving uninsured motorists.

A Legacy of Dedication

From our inception, Bengal Law was never just about legal representation; it was about making a difference in people’s lives. We recognized early on that personal injury isn’t just a legal challenge; it’s a personal upheaval. Every client, every story, is unique, and deserves not just attention, but genuine empathy and understanding.

Our founders, drawing from their rich experiences as former insurance adjusters and defense attorneys, realized the gaps in the system. They witnessed firsthand the tactics employed by insurance companies to minimize payouts and the impersonal approach of high-volume law firms. Determined to change the narrative, Bengal Law was born.

A Unique Approach to Personal Injury Law

What sets Bengal Law apart is our unwavering commitment to individualized attention. We firmly believe that quality trumps quantity. By focusing on a select number of cases, we ensure that each client receives the meticulous attention and representation they deserve. This approach not only allows us to delve deep into the specifics of each case but also to build lasting relationships with our clients.

Our team, armed with insider knowledge of insurance company tactics, uses this expertise to the advantage of our clients. We don’t just level the playing field; we tilt it in favor of those we represent.

Our Promise

At Bengal Law, our promise is twofold:

Individualized Attention: You’re not just another case number. From the moment you reach out to us, you’ll experience the Bengal Law difference – personalized service, prompt communication, and a genuine interest in your story.

Maximizing Financial Recovery: We’re not in the business of quick settlements. Our goal is to ensure that you achieve a full financial recovery, compensating for medical bills, lost wages, and the emotional turmoil caused by the accident.

Bengal Law isn’t just a firm; it’s a family. A family dedicated to serving, representing, and championing the rights of its members. If you seek a partner in your journey to justice, look no further. At Bengal Law, we’re here to stand by you, every step of the way.

Our team is here to listen and assist

At Bengal Law, we believe in open and prompt communication. Whether you have questions, need guidance, or are ready to share your story. 

Here’s how you can reach out to us:

Phone: For immediate assistance or to schedule a consultation, please call us at 407-815-3000. Our dedicated team is ready to help.

Text: If you prefer texting, you can send us a message at the same number, 407-815-3000. We understand the convenience of texting and ensure prompt responses.

Office Visit: If you’re in the area and wish to meet in person, feel free to drop by our office. It’s always a good idea to call ahead and schedule an appointment to ensure you receive undivided attention.

Your concerns and questions are important to us. At Bengal Law, you’re not just another client; you’re a valued individual deserving of personal attention and expert guidance. Don’t hesitate to get in touch; we’re here to serve and assist you. Contact us today!

Schedule a free consultation

Getting the compensation you need to make a full financial recovery starts with a free case evaluation with accident attorneys Jeff Starker or Joel Leppard.

Start today by texting or calling our office at (407) 815-3000 to schedule a consultation with one of our personal injury attorneys, or complete our contact form to start your journey of getting help. We look forward to serving you.

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