Boca Raton Uninsured/Underinsured Motorists Accident Lawyer

Uninsured/Underinsured motorists in Florida amount to over 25% of drivers, making uninsured & underinsured motorist accidents very common in the state. But we’re seeing a huge uptick in our current practice of new auto accident cases where the at-fault driver has either no insurance whatsoever or is terribly underinsured in comparison to the damages and injuries inflicted on our clients. We believe that this is due to inflationary pressures, and other economic factors, as well as the astronomical cost of car insurance in Florida.

If you are in an accident with someone without appropriate insurance, you may be left with medical bills, lost wages, pain and suffering, and other damages. In these situations, a Boca Raton car accident lawyer can help you file a claim against the uninsured/underinsured driver and ensure you get the compensation you deserve.

The Eltringham Law Group’s auto accident lawyers provide legal representation to victims involved in accidents with underinsured drivers. We guide the legal process by first filing a claim with the underinsured at-fault driver’s insurance company (if there is one). Then we negotiate with the insurer to ensure the client gets the compensation they deserve up to the amount of the available policy limits. Our lawyers can investigate the accident to determine liability and gather evidence to support the client’s claim in excess of the available policy limits. Which situation is addressed below.

Start your case today by contacting us.

Florida Car Insurance Requirements

Florida State law on car insurance requires that all drivers carry Property Damage Liability (PDL) coverage of at least $10,000. Surprisingly, however, Florida law does not require drivers to carry bodily injury (BI) coverage for the benefit of the other drivers injured as a result of their negligence and bad driving (unless they’ve had a prior accident). Meaning, they are totally uninsured when it comes to paying for your injuries, medical expenses, lost wages, and pain & suffering.

What Happens If the Other Driver is Uninsured?

If involved in an accident with an uninsured or underinsured driver, one can still claim compensation for the damages through uninsured motorist coverage on your own policy. This optional type of insurance added to the car insurance policy covers medical expenses, lost wages, and other damages resulting from an accident with an uninsured driver.

The minimum amount of uninsured motorist bodily injury coverage in Florida is $10,000 per person and up to $20,000 per accident. If you’re involved in a crash but don’t have uninsured motorist coverage, you may still have other options to pursue compensation but they may be very limited as a practical matter.

In these cases, it’s important to seek the assistance of an experienced uninsured/underinsured motorist accident lawyer. The attorney can guide you through the legal process and fight for the compensation the victim deserves.

Can You Sue Uninsured/Underinsured Motorists?

If involved in an accident with an uninsured motorist in Florida, you may be able to sue them. Some of the available options include:

  1. Filing a claim against your insurance company for uninsured motorist benefits. This can cover medical bills, lost wages, and any other expenses resulting from the accident.
  2. Suing the uninsured driver directly. However, it may not be a viable option if the at-fault driver does not have the financial means to pay for damages. This option can be difficult and may require hiring an uninsured motorist accident lawyer to assist with the process.
  3. The really good news is your insurance rates will not go up when you make a UM claim on your policy because your insurance company figuratively becomes the insurer for the driver that hit you, not you. Your company literally steps into the shoes of the at-fault driver and assumes all the same rights and legal responsibilities to you as that driver would otherwise have if they were properly insured.

You can maximize your chances of winning the case against the uninsured motorist by:

  • Helping gather evidence
  • Obtaining police reports
  • Promptly contacting your insurance company

When speaking with your insurance company, you should be cautious to avoid saying anything that they could use against you.

Ultimately, suing an uninsured motorist can be challenging, but with the proper guidance and preparation, you can seek the compensation you need to recover from your losses.

How Can a Car Accident Attorney Help?

If you are involved in an accident with an uninsured or underinsured motorist, we can help you navigate the legal process and fight for the compensation you deserve.

This may include obtaining medical records, taking witness statements, and investigating the accident scene. Our lawyers can then work with your insurance company to file an uninsured motorist claim, providing coverage for damages and injuries caused by the uninsured driver.

When dealing with uninsured or underinsured motorists in Florida, a car accident attorney reduces stress and saves your time by handling complex legal documents and procedures. By taking the burden off your shoulders and building the case from the ground up, we can help you recover your damages and receive compensation.

Let a Professional Uninsured/Underinsured Motorists Accident Lawyer Help You

Have you or a loved one been involved in an accident with an uninsured motorist in Boca Raton? In that case, seeking legal guidance is important to ensure you receive the compensation you deserve.

Eltringham Law Group can help you explore your legal options and fight for your rights. Our experienced car accident attorneys can assist you in filing a claim against the uninsured driver to help cover your damages. Contact our law firm today for a free consultation and discover your full legal options.

FAQs About Uninsured Motorist Accident Coverage

What are the benefits of uninsured motorist coverage?

Uninsured motorist coverage provides essential protection for victims and can help them receive the compensation they need after an accident with an uninsured or underinsured driver.

Is there a difference between uninsured and underinsured motorist coverage?

Uninsured motorist coverage pays for injuries and damages caused by a driver without liability insurance coverage. In contrast, underinsured motorist coverage helps pay for the costs of an accident when the other driver’s insurance coverage is insufficient to cover the damages.

What Our Clients Say

Our Reviews

Our clients love the personalized attention we give every case. Read what they have to say:

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5 star review

I usually never leave reviews, good or bad, but for this instance, I most definitely had to. David and Marnie were both AMAZING. They made me feel comfortable and confident in their ability to resolve my case. I was walking in a crosswalk and was hit by a vehicle resulting in having to go to the hospital. I sustained injuries from this that I am still in the midst of dealing with. I contacted the firm and was able to speak with them via zoom immediately. I decided to sign with them on a Monday evening (3 days after my accident) and by Tuesday afternoon (the very next day) my case was settled. And settled for the very max that was able to be obtained. I attribute a lot of this to not only the expertise of the firm, but the relationships that Marnie has built with her experience working as a lawyer within a major insurance provider, which just so happened to be the insurance provider involved in my case. This is incredibly atypical for a case to be settled this quickly, especially with this outcome. It has been two weeks to the day today that my accident has happened and my case has already been resolved. I am blessed and more than happy that I decided to hire this firm. Every case is different, but I can bet that this firm will handle your case with care and the utmost professionalism. I pray I never have to go through a situation like this again, but if I did, I wouldn’t hesitate to call this law firm. Thank you guys very much!!


5 star review

I highly recommend Eltringham Law Group to anyone seeking legal advice after having a car accident. David Eltringham and his entire staff gave me the personal attention I needed during a very difficult and painful time. David took the extra steps needed to ensure that I received the medical care I needed as well as the financial compensation I deserved. Harold Torres, Paralegal updated me every step of the way. Thank you Eltringham Law Group!

Laura Lauri

5 star review

I had such a great experience with Eltringham Law Group! I was always kept in the loop and the experience was so personal. I was always in close contact with Teresa who was an absolute pleasure to work with. I would definitely recommend Eltringham Law Group again and again – I couldn’t have asked for a better experience!!!

Alex Peacock

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We’re highly invested in your well-being – you don’t pay for our experience or services unless we get you a settlement. Contact us today to schedule a free review of your case.

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Working With Us

Lighthouse™ is a system unique to Eltringham Law Group – Personal Injury & Car Accident Attorneys, it’s what makes us different from other personal injury attorneys. We built this program to hold our own attorneys accountable and make sure our clients are getting the care and consideration they deserve.

sign up phase 1

Client Onboarding
Client Onboarding

The client meets with our Lighthouse Concierge Team to discuss the details of their potential case. A dedicated Lighthouse Team Member is assigned to the case to gather information and maintain constant communication with the client.

discovery phase 2

Investigation Case Analyzer
Investigation Case Analyzer

The assigned Lighthouse Team Member gathers and assess all information related to the case. A majority of the information is processed, paperwork is submitted and any questions/concerns the Lighthouse Team has for the client are clearly communicated and addressed.

Client Success Maximizer 3

Client Success Maximizer
Client Success Maximizer

The client meets with their Lighthouse Concierge Team Members to conduct a full review and explanation of the process. Both legal and medical records are reviewed and our team sets realistic and achievable expectations for the client.

Phase 1 Medical 4

Phase 1 Medical
Phase 1 Medical

The client is undergoing treatment at this point of the process and the Lighthouse Concierge Team maintains consistent communication to monitor the treatment scheduled. Additional medical referrals and testing may be required at this point if recommended by the current medical provider.

Phase 2 Medical 5

Phase 2 Medical
Phase 2 Medical

The client finalizes initial medical treatments that may include referrals to specialists, medical procedures, further testing and/or additional treatment recommendations by their medical providers.

Resolution or Litigation 6

Resolution or Litigation
Resolution or Litigation

The Lighthouse Concierge Team is in communication with those involved with and/or responsible for the damages incurred in your case. Two possible outcomes at this stage are 1) an achieved settlement agreement or 2) the inability to achieve a fair settlement that will result in the Eltringham Law Group filing a law suit on your behalf.

Post-Settlement Process 7

Post-Settlement Process
Post-Settlement Process

The case has completed and an agreement/resolution has been achieved with maximum in the best interest of the client. The Lighthouse Concierge Team meets with the client to fully explain the results and work diligently to finalize their case.

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