Florida has one of the highest rates of uninsured drivers in the nation. When the at-fault driver has no insurance or too little, your own uninsured/underinsured motorist (UM/UIM) coverage may be the key to recovery. Injury Claim Team connects you with attorneys who pursue these claims.
Common Causes of Uninsured Motorist Cases in Florida
Understanding how these accidents happen helps prove fault. Frequent causes include:
- At-fault driver has no insurance
- At-fault driver is underinsured
- Hit-and-run accidents
- Phantom-vehicle accidents
Common Injuries
Uninsured Motorist cases in Florida often result in serious harm, including:
- Any injury from a crash where the at-fault driver lacks adequate coverage
Florida Law: What You Need to Know
Because Florida does not require drivers to carry bodily-injury liability coverage, UM/UIM coverage on your own policy is often essential. UM claims are made against your own insurer, which may still fight to minimize the payout — so having an attorney who handles these disputes can make a major difference.
Florida deadline: Most negligence injury claims must be filed within two years of the accident under Fla. Stat. § 95.11(4)(a). Government claims have separate, shorter notice deadlines.
How Injury Claim Team Helps
Injury Claim Team is not a law firm — we are a free service that connects injured Floridians with experienced, independent personal injury attorneys who handle uninsured motorist cases. We match you with the right lawyer for your situation, anywhere in Florida, and there is never a fee unless your case is won. Your case review is free, confidential, and available 24/7.
Florida Uninsured Motorist FAQs
Nothing upfront. Our network attorneys work on a contingency fee — you pay no fee unless they recover compensation for you. The case review is always free.
Most Florida negligence claims must be filed within two years of the accident. Government-related claims have separate notice deadlines. It is best to act quickly to preserve evidence.
It depends on the severity of your injuries, medical costs, lost income, the strength of the liability evidence, and available insurance. A free review is the best way to estimate your claim's value.