Florida Uninsured Motorist Coverage

Are you wondering, “What is the average uninsured motorist insurance settlement?” Or whether you will have to sue an uninsured motorist insurance company to get a payout?

Here, I will answer these questions and much more. You’ll also see several of my uninsured motorist insurance payouts. You’ll get to see photos of the cars involved in the accident, pictures of my client’s injuries and much more.

In some of these settlements, the at fault driver did not have bodily injury liability (BIL) insurance. In other cases, the careless driver did not have enough BIL insurance to pay for the claimant’s injuries.

Uninsured motorist (UM) coverage pays you for personal injury or wrongful death damages caused by the negligence of a driver of a motor vehicle that is uninsured.

Unfortunately, there is a large percentage of uninsured drivers in each state. You must be an insured under a policy that has UM coverage in order for UM coverage to apply.  In Florida, uninsured motorist coverage is created by Florida Statute 627.727.  

I’ve written a great deal about Uber accident settlements and claims.  Here, I’ll focus on uninsured motorist insurance for Uber accidents.

In Florida, stacking UM Coverage happens when an insured adds uninsured motorist (UM) coverage from more than one source.  There are two ways to stack.

If you live with a relative who has uninsured motorist (“UM”) insurance, you may be insured under his or her UM policy.  You may be covered for accidents where you would think you’re not covered.

Many motor vehicles are uninsured or underinsured.  Thus, UM insurance be your only source of compensation.

Who is considered a “resident relative” under UM coverage in a Florida auto insurance policy? [Read more…]

Uninsured Motorist coverage gives the same benefits as bodily injury (BI) liability coverage.  This means that you can get the same types of damages that you can recover against an at-fault driver or owner in a vehicle accident case. [Read more…]

In order to know how much money an uninsured motorist (“UM”) insurer owes you in a Florida car accident case, you must know what credits they may be entitled to. [Read more…]

Once you know who is insured under uninsured motorist coverage in Florida.  Now it’s time to learn what a Class I insured is and how it affects your case. [Read more…]

With so many uninsured drivers in Florida, your only source of compensation may be through uninsured motorist (“UM”) insurance.

Many drivers who have auto insurance didn’t purchase UM coverage.  If you’re lucky enough to be insured under a policy with UM, the limits often too low to cover your medical bills, lost wages, pain and suffering.

Your only hope may be that the UM insurer failed to get a UM rejection. [Read more…]