A car accident is stressful enough without finding out the driver who caused it doesn't have enough insurance to cover your injuries. Unfortunately, not every Florida driver carries adequate insurance. If you've been injured by an uninsured or underinsured motorist, you may still have options for pursuing compensation.
At Kushel Law Group, we help injured drivers and passengers understand their insurance coverage and legal options after an accident.
Uninsured motorist (UM) coverage may help protect you when you're injured in an accident caused by a driver who doesn't have liability insurance.
Underinsured motorist (UIM) coverage may apply when the at-fault driver's insurance isn't enough to cover the full extent of your injuries and losses.
Whether you have coverage and how much may be available depends on the specific insurance policies and circumstances involved. That's why it's important to understand your own coverage after an accident.
UM or UIM coverage may potentially come into play after accidents involving: A driver with no auto insurance, a driver whose insurance coverage is insufficient, a hit-and-run driver, a driver whose insurance company denies or limits coverage or accidents involving multiple vehicles where the available insurance isn't enough to cover your injuries
Your own insurance policy may provide important protection even when the other driver doesn't have enough coverage.
Depending on the circumstances and available coverage, an uninsured or underinsured motorist claim may help address losses associated with your injuries, including things like medical expenses and ongoing treatment, lost wages or income, reduced ability to work, pain and suffering and long-term or permanent injuries or damages related to the accident. The value of a claim depends on the specific facts of the accident, your injuries, available insurance coverage, and other factors.
If you've been injured in an accident involving an uninsured or underinsured driver, seek medicalattention first. Report the accident, document the scene, collect witness information, and gather any available insurance details. Notify your insurance company, review your policy for potential coverage, and keep copies of medical records, accident reports, and related communications. Before giving a recorded statement or accepting a settlement, consider speaking with an attorney.
Safety first. Check yourself and others for injuries. Call 911 if anyone needs medical attention. Even for minor accidents, a police report creates an official record of what happened.
If the accident is minor and vehicles are drivable, move to the shoulder or a safe location. Turn on hazard lights. If the accident is serious or anyone is injured, stay put until help arrives.
Get the other driver's name, phone number, insurance information, license plate number, and driver's license number. Do NOT discuss fault or apologize—anything you say can be used against you later.
Use your phone to take photos of:
If anyone saw the accident, get their name and phone number. Witness testimony can be crucial if liability is disputed.
This is critical in Florida. You must see a medical provider within 14 days of the accident to access your PIP (Personal Injury Protection) benefits. Even if you feel fine, get checked—some injuries don't show symptoms immediately.
The other driver's insurance company may call quickly. Be careful. You're not obligated to give a recorded statement, and what you say can be used to minimize or deny your claim. Speak with an attorney first.
Before signing anything or accepting a settlement offer, consult with a personal injury attorney. Early offers are often far below what your case is worth.
When an uninsured or underinsured driver causes an accident, recovering compensation can be complicated. Even when you turn to your own insurance company, disagreements may arise over coverage, liability, or the value of your claim.
At Kushel Law Group, we can review your policy, investigate the accident, and help you understand your coverage and legal options. We'll work to protect your interests and pursue the compensation you may be entitled to receive.
You focus on your recovery. We'll focus on your case. Contact Kushel Law Group today to schedule a consultation.
Our office is located in Boca Raton, but we also proudly serve clients in Delray Beach, Boynton Beach, West Palm Beach, Miami, Fort Lauderdale, and throughout Southern Florida.
Every case begins with a conversation. Tell us what happened, and we'll let you know how we can help. No pressure, no obligation—just honest answers about your situation.
