Protecting Uninsured Motorist Victims
Recovering compensation when the at-fault driver has no insurance. Serving Orlando, Orange County, and all of Florida.
Cases Handled
Recovered for Clients
Years Combined Experience
Google Rating
Why Choose HOV Law
Maximizing Your
UM/UIM Coverage
UM/UIM Expertise
Nearly 13% of drivers nationwide are uninsured. Our Orlando attorneys specialize in maximizing recovery through your own uninsured/underinsured motorist coverage.
Policy Stacking
In some states, you can "stack" UM/UIM coverage from multiple vehicles on your policy, multiplying available coverage. We know when stacking applies and how to use it.
Bad Faith Claims
When your own insurance company unfairly denies or lowballs your UM/UIM claim, we pursue bad faith claims that can result in additional damages above your policy limits.
Their Negligence,
Your Coverage
When you're injured by a driver who has no insurance or not enough insurance to cover your damages, your own uninsured/underinsured motorist coverage becomes your most important source of recovery. We make sure you get every dollar from it.
Your Path to Recovery
We handle the legal complexities so you can focus on healing.
Policy Review
We review your auto insurance policy to identify all available UM/UIM coverage, including potential stacking opportunities across multiple vehicles or policies.
Claim Documentation
We document your injuries and damages thoroughly, creating a comprehensive demand that demonstrates the full value of your claim to your own insurance company.
Insurance Negotiation
We negotiate with your own insurer to secure fair payment. Unlike at-fault driver claims, UM/UIM claims involve your own insurance company — which has different obligations and tactics.
Arbitration/Trial
If your insurance company underpays or denies your UM/UIM claim, we pursue arbitration, litigation, and potentially bad faith claims for additional damages.
Orlando Uninsured Motorist Attorney — Fighting for Your UM/UIM Benefits
An estimated 13% of drivers on the road are uninsured, and many more carry only minimum coverage that's far too low to cover serious injury costs. If you've been injured by an uninsured or underinsured driver in Orlando, your own auto insurance policy's UM/UIM coverage is your best path to recovery.
At HOV Law, our Orlando uninsured motorist attorneys specialize in maximizing UM/UIM claims. We know the tactics insurance companies use to underpay their own policyholders, and we fight back aggressively to ensure you receive the full value of your coverage.
Free consultation. No fees unless we recover for you.
Understanding UM/UIM Coverage
- Uninsured and underinsured motorist coverage protects you when the at-fault driver cannot:
- Uninsured Motorist (UM) — Covers your injuries when the at-fault driver has no insurance at all. Also typically covers hit-and-run accidents where the driver is never identified.
- Underinsured Motorist (UIM) — Covers the gap when the at-fault driver's insurance is insufficient to cover your damages. For example, if you have $100,000 in damages and the at-fault driver carries only a $25,000 policy, your UIM coverage may pay the difference.
- Stacking — In some states, you can combine (stack) UM/UIM coverage from multiple vehicles listed on your policy or even across multiple policies. This can significantly increase your available coverage.
- MedPay / PIP — These first-party coverages pay for medical expenses regardless of fault and are separate from UM/UIM. They provide additional early coverage while your UM/UIM claim is processed.
UM/UIM Claims in Florida
Florida has specific rules governing uninsured and underinsured motorist coverage, including whether UM/UIM is mandatory, whether stacking is permitted, and the procedures for filing claims.
Filing a UM/UIM claim is different from a typical accident claim because you're making a claim against your own insurance company. While your insurer has a contractual obligation to pay legitimate claims, they also have a financial incentive to minimize payouts. Common tactics include disputing injury severity, challenging medical treatment, and offering quick lowball settlements.
Our Orlando attorneys understand these dynamics and fight to ensure your insurer honors its obligations. If your insurer acts in bad faith, we pursue additional damages beyond your policy limits.
Florida Laws That Affect Your Case
Statute of Limitations
In Florida, you have a limited time to file your claim: 2 years for negligence (FL Statute § 95.11). Missing this deadline typically means you lose your right to compensation permanently.
“Time is your most valuable asset after an injury. Contact a Orlando attorney immediately to ensure your claim is preserved.”
Modified Comparative Negligence
Florida follows a modified comparative negligence system. If you are found to be more than 50% at fault, you are barred from recovering any damages. Otherwise, your compensation is reduced by your percentage of fault.
Florida Insurance System
Florida operates under a No-Fault (PIP required) system. $10,000 PIP coverage required.
Key Florida Legal Facts
Local Knowledge: Orlando
High-Risk Roads & Highways
- I-4 (one of the deadliest highways in America)
- SR 408
- Colonial Drive (SR 50)
- Orange Blossom Trail
Local Courts
- Orange County Courthouse
- Ninth Judicial Circuit Court
Areas We Serve Near Orlando
- Kissimmee
- Winter Park
- Sanford
- Altamonte Springs
- Apopka
Orlando Landmarks
- Downtown Orlando
- International Drive
- Lake Eola
- Universal Studios
What Compensation May Cover
Under Florida law, you may be entitled to recover damages for the full impact of your injuries.
Economic Damages
- • Medical bills (past & future)
- • Lost wages & earning capacity
- • Property damage
- • Rehabilitation costs
Non-Economic Damages
- • Pain and suffering
- • Mental anguish
- • Loss of consortium
- • Physical impairment
Other Personal Injury Services in Orlando
Also serving Orlando for Criminal Defense:
Orlando Uninsured Motorist FAQs
Hit by an
Uninsured Driver?
You pay for UM/UIM coverage specifically for situations like this. Make sure your insurance company honors its obligations. Contact HOV Law for a free consultation.