How to File a Florida Uninsured Motorist Claim

20.4% of motorists in Florida are uninsured, making it the 6th highest state for uninsured drivers. With this statistic in mind, many Floridians are at risk for steep out-of-pocket costs if they’re in an accident with an uninsured driver. 

Thankfully, there is a way to protect yourself against this possibility: uninsured motorist coverage. It provides compensation for costs not covered under PIP and property damage insurance, such as accident-related medical treatment, lost income, work limitations, and “pain and suffering”. 

Let’s go over how to file an uninsured motorist claim in Florida for the best possible chance of claim approval. 

Who Do I File an Uninsured Motorist Claim With?

You’ll need to file an uninsured motorist claim against your own insurance company. This makes the claims process similar to that of a typical car insurance claim. 

When Should I File an Uninsured Motorist Claim?

You should file an uninsured motorist claim as soon as you learn that the other driver involved in the accident is uninsured. Or, similarly, if the other driver refuses to disclose their insurance information, you should get started on your claim. Speed is of the essence here – the faster you start your uninsured motorist claim, the better the chance that you’ll receive the maximum compensation.

What Do I Need To File an Uninsured Motorist Claim?

To file an uninsured motorist claim, you’ll need all relevant evidence forms, including medical records and witness statements. Make sure to keep all receipts for related medical bills, medical devices, and replacement services (i.e. cleaning services if you can no longer clean your home due to accident-related injuries). 

What if My Insurance Company Won’t Approve My Uninsured Motorist Claim?

If your insurance company won’t approve your claim, or if they lowball the amount of your claim, reach out to an experienced attorney. An attorney can communicate directly with your insurance company to ensure that you receive your rightful compensation. 

If you were recently in an accident with an uninsured driver, schedule a free case review at Weldon & Rothman, PL today.