Uninsured & Underinsured Motorist Coverage in Florida

Being involved in a car accident is stressful enough, but when the at-fault driver has no insurance or too little coverage, it can feel overwhelming. Florida ranks among the top states for uninsured drivers, leaving many accident victims struggling to cover their medical bills and vehicle repairs.

🚗 Florida has one of the highest rates of uninsured drivers in the U.S.
💰 Uninsured/Underinsured Motorist (UM/UIM) coverage can help you recover damages.
⚖ Insurance companies may try to minimize your payout, so having an attorney is crucial.

At Robes Law Group, PLLC, our Florida uninsured motorist attorneys help victims secure the full compensation they’re entitled to—even when the at-fault driver is uninsured or underinsured.

Many Florida drivers don’t realize they may already have UM/UIM coverage as part of their auto insurance policy. This coverage allows you to recover medical expenses, lost wages, and pain & suffering if you’re hit by:

✔ An uninsured driver who has no liability coverage.
✔ A driver with minimum coverage that doesn’t fully cover your damages.
✔ A hit-and-run driver who flees the scene.

If the at-fault driver has no insurance, you can file a claim through your UM policy for:

💰 Medical expenses & hospital bills
💰 Lost wages & reduced earning capacity
💰 Pain & suffering
💰 Vehicle repairs or replacement costs

If the at-fault driver is underinsured, your UIM coverage allows you to collect as much as their insurance allows and then recover the remaining balance from your own policy.

Even though UM/UIM coverage is designed to protect you, insurance companies often try to minimize payouts—leaving victims with less than they need to recover. At Robes Law Group, we will:

🔎 Review your insurance policy to determine available coverage.
📑 Handle all negotiations with your insurance company.
⚖ Ensure you receive full and fair compensation for your injuries and damages.
💰 Fight against unfair claim denials or lowball settlement offers.

Insurance companies are not on your side—but we are. Our experienced Florida uninsured motorist attorneys know how to maximize your claim and protect your rights.

If you’ve been injured by an uninsured or underinsured driver in Florida, don’t accept a low settlement offer from your insurance company. You deserve full compensation for your medical expenses, lost income, and pain & suffering.

📞 Call Robes Law Group today for a free consultation, and let us fight to get you the compensation you deserve.

👉 Contact us now to speak with a Florida uninsured motorist accident lawyer!