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Uninsured Car Accident Lawyer

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Uninsured/Underinsured Motorist Accident lawyer Miami

Uninsured/Under-Insured Car Accident Lawyer

A growing number of Florida motorists are driving without insurance, or are alarmingly under-insured to cover themselves in the event of a serious or fatal accident. According to the Insurance Information Institute, 18% of this nation’s drivers were uninsured in 2009. Florida ranked fifth nationwide, with 23% of its drivers being uninsured.

Most data indicates that the high unemployment rate in the U.S. is the reason for so many uninsured and under-insured motorists. When surveyed, motorists named other reasons for not buying auto insurance including:

  • Vehicle is not in use or doesn’t run
  • Coverage costs too much
  • Don’t need it because I’m a good driver
  • Will buy later, just haven’t gotten around to it
  • Don’t like insurance companies or can’t find a good one
  • Have been turned down for too many tickets

Florida Insurance Laws

By law, Florida residents are required to have car insurance. Minimum coverage amounts for both personal injury protection (PIP) insurance and property damage liability (PDL) car insurance are mandatory.

Florida is a no-fault insurance state, meaning if you are injured in an accident, regardless of who is at fault, your car insurance will pay your medical costs up to your policy’s limits. No-fault laws also provide some reprieve from the issue of uninsured motorists by enabling accident victims to collect benefits from their own insurance companies, despite whether or not the other party has insurance coverage. The minimum limits for car insurance in Florida are:

  • $10,000 of no-fault or PIP insurance
  • $10,000 of PDL insurance

Insurance Companies

Despite the no-fault insurance laws, dealing with the insurance company of the other motorist, or even your own insurer, can be a daunting task, and sadly, by the time an injured motorist realizes the insurance company does not have their best interests at heart, it may be too late to seek adequate compensation for their injuries. Most motorists are shocked to learn this behavior is very common, even in dealing with their own insurance provider.

Sometimes an insurance company may quickly attempt to settle a claim by presenting a check claiming to be the full amount of available coverage. In still other cases, they may dodge a claim and attempt to stonewall a victim. There are numerous tactics insurance companies will use to delay or deny claims—even valid ones.

When this occurs, you need an experienced Miami uninsured/under-insured motorist accident lawyer who will fight aggressively for your rights. In many cases, your attorney will be able to negotiate with insurance companies to prove the extent of your injuries and maximize your claim. Without an attorney, your insurance company will offer you a claim check—but it will only be a fraction of what you may need to fully recover.

Contact Miami Uninsured/Under-insured Accident Attorneys

If you or someone you love has been injured in an accident with an uninsured or under-insured driver in Miami, Fort Lauderdale, Palm Beach, or anywhere in the State of Florida, you need an experienced Miami car accident lawyer on your side. Contact the Law Offices of Victor Dante to learn more about all of your legal options. Call us at 305-949-2526 today to discuss your case.


The laws and statues that govern Florida, protect the rights of people who are injured or wrongfully die due to the negligence of another and allow for just compensation.


The court system at all levels guarantees that everyone gets due process and an opportunity to be heard, in an impartial and fair setting.


There are rules that dictate how civil procedure is to be conducted and evidence is to introduced. Lawyers and the courts are governed and strictly abide by these rules, If they do not there is an appellate review process in place.

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