Orlando Uninsured Motorist Attorneys
If you were hurt in Orlando or Central Florida by a driver with no insurance, too little insurance or who fled, your own UM/UIM coverage may pay. Our uninsured motorist attorneys find every policy that applies and make your insurer honor what you paid for. No fee unless we win. Call (407) 777-8888
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“The reviews speak for themselves. Trust in the process — Alexandra will deliver.”
What's at Stake
We're sorry this happened. You paid premiums for years, but when you file a UM claim, your insurer's job is to pay as little as possible. Here's what you're up against.
Your own adjuster may ask to record your account. Policies require cooperation, but what you say can still be used to cut the claim.
Stacked limits, household vehicles and resident relatives' policies are easy to miss — and insurers won't point them out.
Insurers often value UM claims as if your injuries were minor. Accepting can mean leaving coverage you paid for on the table.
Your policy has notice requirements, and the claim against the at-fault driver generally must be filed within two years.
Let us handle the insurance company.
Alexandra Tosado · Founding Attorney
You paid for this coverage. We make sure your insurer pays what it owes.
Why You Need a Lawyer
Florida only requires drivers to carry $10,000 in personal injury protection and $10,000 in property damage liability. Bodily injury liability coverage — the insurance that pays for injuries a driver causes to others — isn't required for most drivers, and Florida has one of the highest rates of uninsured drivers in the country. On I-4, the 408, Colonial Drive and every road in Central Florida, the driver who hits you may have nothing to pay for your injuries.
That's what uninsured and underinsured motorist (UM/UIM) coverage is for. It pays for your injuries when the at-fault driver has no bodily injury coverage, too little coverage, or can't be identified after a hit and run. In Florida, UM coverage generally follows you, not the car, so it may also apply if you were hit as a pedestrian, a cyclist or a passenger.
Here's the catch: a UM claim is against your own insurance company. It has adjusters and lawyers whose job is to dispute your injuries and minimize the payout. One of our attorneys used to defend insurance companies, so we know how they evaluate UM claims. We review every policy in your household, handle every call, and prepare your case for a jury if your insurer won't pay fairly.
Related Cases
UM and UIM claims come up in every kind of crash. These pages explain how we handle the ones where they matter most.
Impaired drivers often carry little or no insurance.
Serious rider injuries often exceed the at-fault driver's coverage.
One of the most common crashes where the at-fault driver is underinsured.
Rideshare policies include UM coverage that may apply when the app is on.
Step-by-Step
Finding out the other driver has no insurance is stressful, but you likely have more options than you think. These steps protect your UM claim.
Just been in a crash?
Talk to an attorney before you talk to the insurance company. It's free, and it could protect your claim.
Don't skip this
We Try Cases
Your insurer is deciding right now how little it can pay on your UM claim. Here's what happens when an insurer guesses wrong.
“Hired ANT Law Firm after I got involved in a car accident and I'm glad that I worked with them. They are professionals and know what they're doing.”
Landmark verdict
40×
The jury's verdict was forty times the insurance company's offer.
Their offer
$30,000
The jury's verdict
$1.2M
The insurance company offered our client $30,000. We turned it down, built the case for trial and put it in front of a jury. The jury awarded $1.2 million — forty times what the insurer said the case was worth.
Jury VerdictPublic Transportation NegligenceOrange County, FL
Past results do not guarantee future outcomes. Every case is different and is evaluated on its own facts. Amounts are gross recoveries before fees, costs and liens.
The Plan
Call, text or fill out the form. It's free and confidential.
We investigate, gather the evidence, handle the insurance company and get your medical care documented.
We negotiate from strength. If they won't pay fairly, we take it to a jury.
No fee unless we win · Se habla español
A UM claim is won with the right policy review and solid medical evidence. Here's what happens once you hire us.
Compensation
UM coverage pays what you could have recovered from the at-fault driver if they'd been properly insured, up to your UM limits. PIP pays first.
Past and future: ER visits, surgery, therapy, imaging, medication and long-term care beyond PIP.
Paychecks you missed while recovering and income you can no longer earn.
Physical pain, emotional distress and the loss of things you used to enjoy.
The difference between the at-fault driver's too-small policy and your actual losses, up to your UIM limits.
Rides to appointments, home help, childcare and other costs the crash caused.
The impact of your injuries on your marriage and family life.
If your policy is stacked, UM limits for each vehicle on the policy may be combined.
If your insurer acts in bad faith, Florida law may allow recovery beyond your policy limits.
Not sure what your case is worth? We'll tell you, free.
Get My Free Case ReviewFlorida Law
Florida's uninsured motorist statute, Fla. Stat. § 627.727, sets the rules for these claims. Here's what matters for your case.
Insurers must offer UM. Under Fla. Stat. § 627.727, a policy with bodily injury liability coverage must include UM coverage equal to those limits unless you rejected it or chose lower limits in writing on an approved form. UM isn't required, but if nobody in your household signed a rejection, you may have more coverage than you think.
Stacked or non-stacked. Stacked coverage can let you combine UM limits for each vehicle on your policy. Many Florida policies are sold as non-stacked after the policyholder signs a selection form, which limits coverage to a single vehicle. We check which you have.
Underinsured drivers. Florida's UM coverage also pays when the at-fault driver's liability limits are too low for your losses. It can pay on top of their policy, up to your UM limits.
Bad faith. If your insurer doesn't try in good faith to settle when it could and should, Florida's bad-faith statute (Fla. Stat. § 624.155) can allow damages beyond your policy limits. It first requires a Civil Remedy Notice, which gives the insurer 60 days to fix the problem.
What Success Looks Like
Facing it alone
With ANT in your corner
Doctors, therapy and the care you'll need in the future.
The paychecks you missed and the earning power you lost.
Your coverage, household policies and stacking, not just the obvious one.
Someone handled it, and you were treated with respect.
Every case is different. Past results don't guarantee a similar outcome.
Client Reviews
“I had a car accident almost 2 years ago and the previous law firm wasn't able to work my case. A good friend referred me to ANT Law Firm, and our process was flawless since they took over.”
“This was the first time that I had to seek out a lawyer due to an injury from a car accident and I'm so glad I chose them to represent me. They always called with updates on my case.”
“A very positive experience with the attorney and her entire team — always attentive, kind, and willing to clarify every question. The fact that they are bilingual is a huge plus.”
Why ANT Law Firm
After a crash with an uninsured driver, your own insurance company offers as little as it can get away with. We build every UM claim for trial, so your insurer has to take it seriously — and you pay nothing unless we win.
Straight Answers
UM coverage is part of your own auto policy. It pays for your injuries when the at-fault driver has no bodily injury liability insurance, can't be identified after a hit and run, or — as underinsured motorist (UIM) coverage — has limits too low to cover your losses. Under Fla. Stat. § 627.727, insurers must include UM coverage equal to your bodily injury limits unless you rejected it or chose lower limits in writing.
No. UM coverage isn't mandatory, but insurers must offer it with any policy that includes bodily injury liability coverage. You can only reject it or choose lower limits by signing an approved written form. If no one signed that form, you may have UM coverage equal to your bodily injury limits. Our attorneys will review your policy for free.
Florida law generally prohibits insurers from adding a surcharge or raising your premium because of an accident unless they determine in good faith that you were substantially at fault. If an uninsured driver caused the crash, that usually isn't the case. If your insurer treats you unfairly after a not-at-fault claim, our attorneys can push back.
Yes. Hit and runs are one of the most common reasons for UM claims. When the at-fault driver flees and is never identified, UM coverage generally treats them as uninsured. Report the crash to police right away and preserve every piece of evidence. Without an independent witness or footage, insurers often dispute whether another vehicle was involved.
Stacked coverage can let you combine the UM limits for each vehicle on your policy. For example, $100,000 in UM coverage on three vehicles could provide up to $300,000 if your policy is stacked. Non-stacked coverage limits you to one vehicle's coverage. Stacking costs more, and many Florida policies are sold as non-stacked after the policyholder signs a selection form. We'll check which you have.
Because Florida doesn't require most drivers to carry bodily injury coverage, many people choose UM limits at least equal to their own bodily injury limits. Medical bills after a serious crash can easily exceed $100,000. Higher limits and stacked coverage cost more but provide more protection. Talk to your insurance agent about what fits your household.
Your insurer has a financial reason to deny or minimize your claim. If it denies, delays or undervalues a claim without a good reason, it may be acting in bad faith under Fla. Stat. § 624.155. A bad-faith claim requires a Civil Remedy Notice and gives the insurer 60 days to cure, but it can lead to damages beyond your policy limits. We also file suit on the UM claim itself and take it to a jury when needed.
Uninsured motorist coverage applies when the at-fault driver has no bodily injury liability insurance or can't be identified. Underinsured motorist coverage applies when the driver has insurance, but not enough to cover your losses. For example, if your damages are $200,000 and the driver's policy is $10,000, UIM can help cover the gap, up to your limits. In Florida, both are part of the same UM coverage.
Still have a question? Call (407) 777-8888 or send us a message.
Keep Reading
Guide · 8 min read
How PIP pays first after a crash, and where UM coverage takes over.
Guide · 12 min read
What drives the value of a Florida car accident claim.
Guide · 8 min read
What to watch for before you accept an insurer's offer.
Orlando Uninsured Motorist Attorneys
You paid for this coverage. You focus on healing — we'll find every policy and handle your insurer. Your free case review takes a few minutes, in English or Spanish.
