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What’s The Difference Between Underinsured And Uninsured Claims After A Sarasota Accident?


Getting into a car wreck can be emotionally, physically, and financially devastating. Your car may be wrecked beyond repair, you may have serious injuries that need expensive medical care, and your whole life is upended.

Fortunately, under Florida state law, accident injury victims are protected. When another driver causes your accident, they and their insurance company are responsible for paying for your injuries. However, sometimes the other driver neither has insurance nor has a good enough policy to cover the full costs of the damages from the accident. This is where underinsured (UM) and uninsured (UIM) coverages can help?

What Is UM?

UM is a coverage that is purchased when you buy an auto insurance policy. It is designed for when the driver responsible for the accident does not have adequate insurance to pay for all the damages. UM is a coverage you purchase with your own policy and is covered by your insurance provider. For example, if the driver that hit you only has the minimum state required insurance of $10,000 for bodily injury, $20,000 for all persons for accident, $10,000 for property damage, and $10,000 personal injury protection, they only really have $50,000 in insurance coverage for when they cause an accident. If your property damage and injuries add up to $80,000, your UIM will cover the $30,000 that is remaining.

What Is UM?

UIM is specifically for accidents where the responsible driver does not have insurance. Like UIM, it is a policy you purchase from your own insurance provider. UIM is a really important coverage to have because if someone cannot afford insurance, it is highly unlikely they can afford to pay for your damages out of pocket. When an uninsured driver hits you, instead of filing a claim with their insurance, you will file a claim with your insurance to cover the damages from the accident.

How Much UIM/UM Coverage Should I Purchase?

The state of Florida does not have a minimum requirement for UIM and UM insurance coverage. However, Florida is one of the states with the highest rates of uninsured drivers. In fact, 20% of Florida drivers do not carry insurance. So the odds are unfortunately very high that if you get into an accident it could be with an uninsured driver. The amount of UIM and UM insurance you purchase depends on many factors like your budget, savings, and income. The best plan is to get the highest amount of coverage you can afford because accidents can be really expensive and you would not want to have to take on that financial burden if you are hit. Speak with your insurance provider to find out what is the best option for your needs.

How Do I File A Claim For UIM Or UM?

The claims process for UIM and UM is pretty standard. In the case of UM, you will first file the claim with the other driver’s insurance company. Then anything they can’t pay, you will file for with your own insurance. In the case of UIM, you will file the whole claim directly with your insurance provider. Unfortunately, this process is not easy. Insurance companies are known for going out of their way to pay a full and fair claim, even when it is your own insurance provider. The best thing to do is to consult with an auto accident attorney that can guide you through the process and fight for your right to a fair settlement.

If you are hit by an uninsured or underinsured driver, the stress of the accident can be simply overwhelming. It’s terrifying to have the prospect that you may be financially responsible for the expensive medical bills and property damage another person caused. Luckily, you do not have to face this situation alone. The team at Justice Pays Goldman, Babboni, Fernandez, and Walsh are here for you. With decades of experience fighting for the rights of auto accident victims in Sarasota, we’ve helped many people just like you that have been hit by a driver with little to no insurance. We know exactly how to file a claim and can help you get the money you need to pay for your injuries.

Michael J. Babboni's wide-ranging legal career is based on the strong belief that everyone should be treated fairly and have access to effective legal help. Michael began putting his beliefs in action by helping the people of St. Petersburg Florida get what they are owed in civil trials fighting to protect families by making corporations pay, and honor their obligations.

What’s The Difference Between Underinsured And Uninsured Claims After A Sarasota Accident?

Goldman Babboni Fernandez
Murphy & Walsh




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