Hit by an Uninsured Driver in Miami?
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Florida requires drivers to carry PIP and property damage liability, but not bodily injury liability. That means many at-fault drivers have little or no coverage for your injuries. Uninsured/underinsured motorist (UM/UIM) coverage is designed for exactly this situation.
How UM works
UM coverage on your own policy pays damages you could have recovered from an at-fault driver who has no bodily injury coverage, or not enough. Florida insurers must offer UM; you may have accepted it, rejected it in writing, or chosen lower limits. Stacked UM can multiply limits across multiple vehicles in the household.
UM coverage on your own policy pays damages you could have recovered from an at-fault driver who has no bodily injury coverage, or not enough.
Dealing with your own insurer
A UM claim is made against your own insurance company, but that does not mean it is easy. The insurer may dispute fault, the severity of your injury, or whether treatment was necessary. Keep careful records, follow your doctors' advice, and get advice before signing releases.
Check your declarations page
- Do you have UM coverage, and what are the limits?
- Is it stacked or non-stacked?
- Are household members covered?
- Do you also have medical payments coverage?
Related: Florida PIP Guide · What to Do After a Car Accident · Car accidents
After a crash in Miami
- Call 911 and stay at the scene
- Photograph cars, plates and the street
- Get witness names and numbers
- See a doctor within 14 days (PIP)
- Keep the crash report number
- Call 786-786-0777 for a free consultation
How it works
- 1Book or call
- 2Tell us what happened
- 3Get connected
Help, day or night
- 24/7Call any time
- FreeTo get connected
- EspañolSe habla español
- 14 daysTo get care for PIP
Frequently asked questions
How common are uninsured drivers in Florida?
Florida has historically had one of the higher rates of uninsured drivers in the country, which is why UM coverage matters. (Statistic to verify before citing a number.)
Will a UM claim raise my rates?
Florida law limits premium increases for claims where you were not at fault, but check your policy and ask an attorney.
Request a free consultation
Pick a time that works for you. It takes about 15 minutes, costs nothing, and there is no obligation.
A referral service, not a law firm. We connect you with independent Florida attorneys. No legal advice; no attorney-client relationship.
Or call now, 24/7: 786-786-0777