Recovering when the other driver can't pay
Many Florida drivers carry minimal or no bodily injury coverage. Your own uninsured/underinsured motorist coverage can fill the gap — but strict procedures govern these claims.
We investigate the crash, document your injuries, and deal with the insurance companies so you can focus on healing — and we prepare every case as if it is going to trial.
- Free, confidential case evaluation — you pay nothing unless we win
- Direct access to trial-tested attorneys, not a case number
- Meticulous preparation of every claim — medical records, experts, evidence
- Aggressive negotiation with insurers — and trial when they won't pay fairly
When UM/UIM coverage applies
Your own uninsured/underinsured motorist coverage can pay when:
- The at-fault driver has no bodily injury coverage
- The at-fault driver’s limits are too low
- You’re injured by a hit-and-run driver
- You’re hurt as a passenger in another’s car
- You’re struck as a pedestrian or cyclist
- Multiple victims exhaust the at-fault policy
Your own insurer is not on your side
A UM claim puts you in an adversarial position with your own insurance company — and it will scrutinize your claim just as hard as a stranger’s insurer would. Strict notice requirements, consent-to-settle clauses, and offset rules create traps for the unrepresented.
We handle the sequencing — settling with the at-fault carrier without jeopardizing your UM claim, complying with every procedural requirement, and pressing your insurer for the full value of your coverage. Bad-faith remedies give us leverage when they delay or lowball.
- Medical bills — past and future
- Lost wages and earning capacity
- Pain and suffering
- Permanent injury and disability
- Loss of enjoyment of life
- Property damage and out-of-pocket costs
What to do after a crash with an uninsured driver
- Get medical care — your health comes first, and prompt treatment also documents your injuries before insurers can claim a "gap in care."
- Report and document — file the police or incident report, photograph everything, and collect names of witnesses while memories are fresh.
- Say nothing to insurers — do not give recorded statements or accept early offers — adjusters use both to reduce what they pay you.
- Call Spinner Law Firm — a free, confidential consultation costs nothing, and you pay no fee unless we win. The earlier we start, the more evidence we can preserve.