UM/UIM Claims

Uninsured Motorist Claims Attorney in Orlando

What Happens if the Other Driver Doesn’t Have Insurance?

You’re driving down the road when all of a sudden, your vehicle is hit by another car. One of two things can happen next: you can watch in horror as the other vehicle speeds away, or the other driver pulls over but informs you that he or she does not have any insurance coverage. This happens much more often than many people realize; in fact, a National Association of Insurance Commissioners report has found that one in eight drivers is uninsured. Florida also has the second-highest percentage of uninsured drivers in the nation at 24.8 percent.

If this has happened to you, you may have questions about what to do next, who to contact, and who will pay for your injuries and/or damage to your vehicle. Todd Miner Law is available to answer your questions and put your mind at ease. Do not delay in contacting an Orlando car accident lawyer at our firm to request a free case evaluation. We can review the circumstances of your accident and advise you on the best way to proceed with a claim.


Call us at (407) 269-5877 to get started.


What is UM/UIM Coverage & How Does it Protect You?

UM/UIM coverage exists to protect drivers and passengers when they are involved in an accident with a driver who either does not have insurance or does not have enough insurance to cover the full amount of the injured person’s losses. UM/UIM coverage is also useful in situations in which the driver who causes a car accident fails to pull over and exchange insurance information (“hit and run”).

In Florida, a no-fault state, drivers are required to carry a minimum of $10,000 worth of Personal Injury Protection (PIP) coverage and property damage liability (PDL) coverage to be used in the event of an accident. If you’re involved in an accident, regardless of whose fault it was, your own personal insurance coverage is where you’ll go first for reimbursement. If the other driver does not have insurance and your own PIP policy is insufficient to cover all of your losses (the $10,000 limit may not go very far), you may then file a UM/UIM claim seeking additional compensation for medical bills, lost wages, and pain and suffering.

If you have not purchased this coverage, you could be stuck paying for these losses and damages out of your own pocket. Since no two cases are alike, it is important to consult with an attorney about which options are available to you.

Call Today to Start the Claims Process

The auto insurance claims process involves a variety of factors and can be highly complex without the help of someone who is well versed in this area of the law. If you need assistance with an uninsured motorist claim in Orlando, turn to Todd Miner Law for quality representation backed by Todd’s extensive experience. We have recovered millions of dollars in compensation for our clients. If we can’t make a recovery in your case, you owe us nothing!

Schedule a consultation today to talk about your potential claim.

Todd Miner Law

  • Office Hours
  • Mon - Fri: 7 am – 10 pm
  • Sat - Sun: 9 am – 8 pm