FLORIDA PERSONAL INJURY ATTORNEYS - Law Firm covering Broward, Miami-Dade and Palm Beach



Ft. Lauderdale Office
1132 SE Third Avenue
Fort Lauderdale, FL 33316

Miami Office
701 Brickell Avenue
Suite #1550
Miami, FL 33131

Boca Raton Office
2385 NW Executive Center Drive
Suite 100
Boca Raton, FL 33431

Contact Us
Toll-Free 24/7: 1-844-49-LEGAL
Palm Beach:561-962-3531





Other driver: No BI
Your policy:    No UM

If you get into an accident with another vehicle that does not have insurance coverage and the accident was their fault – you will not be able to recover anything unless you go after the person directly.  Most of the time when someone does not carry proper insurance coverage, they lack sufficient assets to make it worth the time and effort in suing the person directly.  You do have other remedies of course, such as contacting the State of Florida and having their license suspended and getting a judgment against the person so that you can garnish their wages.  However, you should speak to our office before attempting these things on your own.


Other driver:  No BI
Your policy:    UM coverage

If you get into an accident with another vehicle that does not have insurance coverage (No BI) and the accident was their fault – and you have uninsured motorist coverage (UM), then you can recover money for your injuries just as if the other driver had insurance coverage.  Your insurance company will “step into the shoes” of the other driver and protect you.  Since you chose the uninsured motorist coverage and the policy limit, you know exactly how much coverage you have available for your injuries.  Most insurance policies make you choose the same amount of coverage for your uninsured motorist coverage that you chose for your bodily injury (BI) coverage.  Since bodily injury (BI) coverage protects the other driver if you are “at fault” it is only fair that you do not choose greater coverage for yourself if the other driver has no coverage. 


Other driver:  Low BI limits
Your policy:    UM coverage

If you get into an accident with another vehicle that does have bodily injury (BI) coverage but has low limits (say $10,000.00) and you have injuries that demand a larger settlement – and you have UM coverage – you are entitled to this UM coverage in addition to the BI coverage.  The reason is because Uninsured Motorist coverage also stands for Underinsured Motorist coverage.  That is, if the “at fault” party does not have adequate BI coverage because your injuries are worth in excess of their policy limit – then the other party is deemed to be “underinsured.”  Your insurance company will “step into the shoes” of the other party and pay for your injuries on top of what was already paid by the “at fault” party’s insurance company.

There are a few other scenarios where even if you did not have uninsured motorist coverage on your car insurance policy that you would still be covered if you had a “resident relative” with uninsured motorist coverage. 

Remember, insurance companies do not like to pay!  Even your own company will try to get out of paying.  That is why you should hire a skilled attorney who knows exactly how to present your case to both the other party’s insurance company and your own insurance company to maximize your case value.

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The Attorneys at O'Toole Law Firm proudly serve the state of Florida including the areas of Fort Lauderdale, Miami - Dade, Palm Beach, and Naples
Fort Lauderdale Personal Injury Lawyers: Florida Truck, Car & Motorcycle Accident Attorneys for Miami, Dade, Palm Beach & Broward FL

Some Florida cities covered by our personal injury lawyers are:

Coconut Creek, Coral Springs, Dania, Davie, Deerfield Beach, Fort Lauderdale, Hallandale, Lauderhill, Lighthouse Point, Margate, Miramar, Oakland Park, Parkland, Pembroke Pines, Plantation, Pompano Beach, Sunrise, Tamarac, Weston, Wilton Manors, Aventura, Coconut Grove, Coral Gables,
Hialeah, Homestead, Kendall, Key Biscayne, Miami, Naples, Boca Raton, Boynton Beach, Delray Beach, Jupiter, Lake Worth, Palm Beach

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