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Searching for an Uninsured Motorist Lawyer in Florida?
Being injured by a driver with no insurance or too little coverage can make an already difficult crash even more complicated. You may be facing medical bills, missed work, and questions about which insurance policy should pay. Our car accident lawyers can review the crash, available coverage, and your options for pursuing compensation.
Florida law provides uninsured motorist coverage protections when applicable, and it also recognizes an underinsured situation when the responsible driver’s bodily injury liability limits are less than the damages sustained. When a policy includes bodily injury liability coverage, UM coverage generally must be provided unless the named insured rejects it or selects lower limits in writing. An uninsured motorist lawyer can examine your policy and help determine what coverage may apply.
How It Works
No Upfront Fees
You don't pay anything to start your case. We work on contingency, so there is no upfront attorney fee to hire a UM claim attorney.
We Advance All Case Costs
From investigations and records to necessary filings, we advance upfront case expenses. You can focus on your recovery while we handle the legal work.
Pay Only If We Win
Our attorney fee comes from your recovery. If we don't win your case, you owe us no attorney fee. Have questions? Call me on my cell anytime. We're available 24/7.
Why Choose Ligori & Ligori for Your Uninsured Motorist Claim in Florida?
An uninsured or underinsured motorist claim may involve your own insurance company, but that does not make it simple. The carrier can still dispute fault, injuries, damages, policy terms, or available coverage. Our team knows how to respond when a covered claim is denied or undervalued.
We investigate the collision, confirm the other driver’s insurance, review your UM/UIM policy, gather medical evidence, and document your losses. If the responsible driver left the scene, our hit-and-run accident lawyers can also help identify available paths to recovery.
Florida UM/UIM claims can involve questions about written rejection or reduced limits, stacked versus nonstacked coverage, and how the at-fault driver’s liability policy affects your claim. An underinsured motorist lawyer can review these issues and explain what coverage may be available.
Keith Ligori’s membership in the Multi-Million Dollar Advocates Forum is one of the firm’s established trust signals, alongside its record of substantial verdicts and settlements. Whether you need an uninsured driver accident lawyer or a UM/UIM lawyer in Tampa, our goal is to build the claim around the evidence and available coverage.
We advance case costs, work on contingency, and handle communications with insurers so you can concentrate on your recovery. If your insurance carrier disputes or undervalues a covered claim, our insurance claim lawyers can evaluate the policy and the insurer’s handling of the claim.
One Search for an Uninsured Motorist Lawyer Brings Expertise in These Claim Issues
Our Florida legal team can evaluate the insurance, accident evidence, injuries, and damages that may determine the value and strength of a UM or UIM claim, including:
- Identifying applicable uninsured motorist coverage
- Determining the at-fault driver’s available liability insurance
- Reviewing UM/UIM policy limits and coverage terms
- Evaluating stacked or nonstacked coverage
- Investigating fault and preserving crash evidence
- Coordinating applicable PIP, liability, and UM benefits
- Documenting medical expenses, lost income, and other damages
- Handling communications and negotiations with insurance carriers
- Preparing the claim for litigation when a fair resolution cannot be reached
The details of every policy and collision are different. We review the insurance documents and evidence together so we can identify available coverage, protect your rights, and pursue the compensation supported by your claim.
Frequently Asked Questions
Does Florida require uninsured motorist coverage?
Not in every situation. Under Florida Statute § 627.727, a policy that provides bodily injury liability coverage generally must also provide UM coverage unless the named insured rejects it or selects lower limits in writing. Reviewing the declarations page and any UM selection or rejection forms can help determine what coverage applies.
Can I have an underinsured motorist claim if the other driver has insurance?
Yes, depending on your policy and damages. Florida law treats a vehicle as uninsured for UM purposes in certain circumstances when the responsible driver’s bodily injury liability limits are less than the total damages sustained. A lawyer can review both policies before determining whether additional UM/UIM benefits may be available.
What can uninsured motorist coverage pay for after an accident?
When coverage applies, a UM claim may provide compensation for legally recoverable bodily-injury damages that are not otherwise fully covered, subject to the policy limits and Florida law. UM coverage works above applicable benefits such as PIP without duplicating those benefits. Medical expenses, lost income, and qualifying pain and suffering may therefore become important parts of the claim. If the collision caused neck symptoms, our page on whiplash injuries explains another common issue after vehicle crashes.
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Where to Find Us in Florida
Ligori & Ligori helps Florida drivers sort out coverage disputes after a crash with an uninsured or underinsured driver, with offices in Tampa, Orlando, Lakeland, Ocala, and Key West.
- Gainesville, FL
- Key West, FL
- Lakeland, FL
- Ocala, FL
- Orlando, FL
- Sarasota, FL
- Tampa, FL
Uninsured Motorist We Handle and Related Claims We Handle
Our law firm handles a wide range of personal injury claims for people injured in vehicle crashes and other accidents. We investigate what happened, evaluate available insurance and evidence, and help clients understand the legal options available for pursuing compensation.
Contact Ligori & Ligori today
Stop Searching for an Uninsured Motorist Lawyer. Call Us First!
An uninsured or underinsured driver should not leave you guessing about how your medical bills, lost income, and other losses will be addressed. If you were injured in Florida and believe UM or UIM coverage may apply, our legal team can review the accident, the available insurance policies, and your options.
Contact Ligori & Ligori today for a free consultation. We can deal with the insurance issues, protect your rights, and pursue the compensation available under the facts of your case and your applicable coverage.