Uninsured Motorist Coverage & Underinsured Motorist Coverage: What Florida Drivers Need To Know
Read Time: 6 Minutes
Car accidents can happen in the blink of an eye and unfortunately, not every driver on Florida’s roads carries enough insurance to cover the damage they cause. That’s where Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage step in. These optional (but essential) coverages can protect you financially when the at-fault driver doesn’t have adequate insurance to pay for your injuries or losses.
So let’s break down together what UM and UIM insurance mean, why they’re crucial in Florida, and how to use them if you’ve been in an accident.
What Is UM/UIM Coverage?
Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage are types of auto insurance designed to protect you when the other driver can’t.
UM coverage applies when the at-fault driver has no insurance at all or in cases of hit-and-run accidents where the other driver can’t be identified.
UIM coverage applies when the other driver has insurance, but not enough to fully cover your medical bills, lost wages, or pain and suffering.
In short, your UM/UIM policy acts as a safety net that steps in to pay what the other driver’s insurance can’t. Protecting not only you but your passengers as well.
For example, if your medical bills total $100,000, and the at-fault driver only carries Florida’s minimum bodily injury coverage of $10,000 (or none at all), your UM/UIM coverage can cover the remaining balance, depending on your limits.
Why It’s Crucial in Florida (High Uninsured Rate)
Florida consistently ranks among the top states for uninsured drivers. According to the Insurance Research Council, about 20% of Florida drivers have no insurance—and many more carry only the bare minimum, which doesn’t include bodily injury coverage.
Unlike many other states, Florida doesn’t require drivers to carry bodily injury liability insurance. This means if someone hits you, their insurance may only cover property damage—not your injuries.
Without UM/UIM, you could end up paying your own medical expenses out of pocket, even when you weren’t at fault.
Having UM insurance in Florida ensures that you’re covered even when the other driver isn’t. It’s especially valuable for drivers in urban areas like Miami, Orlando, or Tallahassee, where traffic density and uninsured rates are both high.
Difference Between UM & UIM
While both coverages serve similar purposes, it’s important to know the distinction:
Type: Uninsured Motorist (UM)
When It Applies
The other driver has no insurance or leaves the scene (hit-and-run).
Example: You’re hit by an uninsured driver who runs a red light.
Type: UIM (Underinsured Motorist)
When It Applies:
The other driver has insurance, but it’s not enough to cover your losses.
Example: The other driver’s policy pays $25,000, but your injuries cost $75,000.
You can typically buy these as a combined policy (UM/UIM) or separately. Some insurers also offer stacked UM coverage, which lets you combine coverage limits across multiple vehicles on your policy.
How UM Coverage Works After a Crash
If you’re in an accident caused by an uninsured or underinsured driver, you can file a UM/UIM claim through your own insurance provider. Here’s what usually happens:
You file a claim under your UM/UIM policy after the accident.
Your insurer investigates the accident to confirm that the other driver was at fault and lacked sufficient insurance.
You provide documentation, such as police reports, medical records, and repair estimates.
Once approved, your insurer pays for medical bills, lost income, pain and suffering, and other damages up to your policy limits.
While it may sound straightforward, insurance companies often dispute or undervalue UM/UIM claims, even though you’re their policyholder. They might argue that your injuries aren’t as severe or that your medical treatment wasn’t necessary.
That’s why it’s often best to consult a Florida uninsured motorist lawyer like Betancur Legal Group, who can negotiate with your insurer and ensure you get the full compensation you deserve.
Do You Need UM/UIM in Florida?
While UM/UIM coverage is not required by Florida law, it’s highly recommended. Here’s why:
Protects you from uninsured drivers: With so many drivers lacking coverage, UM acts as a backup plan.
Covers hit-and-run accidents: You’re not left paying for someone else’s negligence.
Pays beyond PIP limits: Florida’s Personal Injury Protection (PIP) only covers 80% of medical expenses up to $10,000—and that runs out fast.
Covers pain and suffering: UM/UIM can cover noneconomic damages that PIP doesn’t.
In short, skipping UM/UIM coverage may save a few dollars on premiums—but could cost you thousands after a serious accident.
Filing a UM Claim with Your Insurance
When filing a UM claim in Florida, the key is documentation and persistence. Here’s a simple step-by-step:
Report the accident to your insurer immediately.
Request a copy of the police report—it helps prove the other driver’s fault and lack of insurance.
Get medical treatment right away, even if injuries seem minor.
Keep all records, including bills, doctor’s notes, and missed work documentation.
Consult a Florida uninsured motorist lawyer to handle negotiations and ensure fair compensation.
Remember, your insurer is still a business—and they may look for reasons to reduce or deny your payout. A legal professional can help navigate these tactics and maximize your recovery.
FAQ: Does UM/UIM Cover Hit-and-Run in Florida?
Yes. Uninsured Motorist (UM) coverage in Florida does cover hit-and-run accidents—as long as you can prove another driver caused the crash. For example, if someone sideswipes your vehicle and flees, your UM policy can cover your injuries and damages after the police report is filed.
However, you’ll need to act fast. Report the accident immediately and contact an attorney who can help gather evidence before it’s lost or disputed by your insurer.
Takeaway: Protect Yourself Before It’s Too Late
Accidents with uninsured or underinsured drivers happen every day in Florida—and too often, victims are left footing the bill. Having UM/UIM insurance is one of the smartest financial decisions you can make as a driver.
If you’ve been injured by an uninsured driver or involved in a hit-and-run, don’t face it alone. The team at Betancur Legal Group can help you file your claim, deal with your insurer, and fight for the compensation you’re owed.
Contact us today for a free consultation and learn how to protect your rights after an accident.
