Orlando Uninsured Motorist Lawyer — Free Consultation
Nearly 1 in 4 Florida drivers is uninsured — one of the highest rates in the nation. If you were hit by a driver with no insurance or not enough coverage, your own UM/UIM policy may be your best path to compensation. Our Orlando uninsured motorist attorneys fight your insurance company so you don't have to. Call (407) 777-8888 for a free, no-obligation case review.
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Why You Need an Uninsured Motorist Attorney in Orlando
Florida has one of the highest uninsured driver rates in the country — approximately 1 in 4 drivers on Orlando roads carries no bodily injury liability insurance. Florida only requires drivers to carry property damage liability (PD) and personal injury protection (PIP), meaning hundreds of thousands of Florida drivers have zero coverage for injuries they cause to others.
That's where uninsured motorist (UM) and underinsured motorist (UIM) coverage comes in. UM/UIM is insurance you purchase on your own policy that protects you when the at-fault driver has no insurance or not enough insurance to cover your damages. Under Florida Statute § 627.727, every insurer must offer UM coverage — and if you didn't reject it in writing, you likely already have it.
Here's the catch: when you file a UM claim, you're filing against your own insurance company. Despite years of paying premiums, your insurer has every financial incentive to deny, delay, or undervalue your claim. They employ teams of adjusters and attorneys to minimize payouts. You need an experienced UM attorney to level the playing field.
Uninsured Motorist & Related Accident Cases We Handle
UM/UIM claims arise in many types of motor vehicle accidents. Our Orlando attorneys handle the full spectrum — from straightforward uninsured driver crashes to complex multi-policy coverage disputes.
What to Do After Being Hit by an Uninsured Driver
Discovering the at-fault driver has no insurance is stressful — but you have more options than you think. Follow these steps to protect your right to compensation.
Call 911 & Get a Police Report
A police report documents the accident and records whether the other driver has insurance. Officers may also cite the uninsured driver for violating Florida's financial responsibility law.
Exchange Information Anyway
Get the other driver's name, address, phone number, driver's license number, and vehicle information — even if they claim to have no insurance. This information is critical for your UM claim.
Document Everything
Take photos of all vehicle damage, the accident scene, road conditions, and your injuries. Note the time, location, and weather. This evidence supports both your UM claim and any potential lawsuit.
Seek Medical Attention Immediately
Get examined even if you feel fine. Many accident injuries have delayed symptoms, and a gap in medical treatment gives your insurer grounds to deny or reduce your UM claim.
Notify Your Insurance Company
Report the accident to your own insurer, but do not give a recorded statement or accept any settlement offers before speaking with an attorney. Your insurer is not on your side in a UM claim.
Call a UM/UIM Attorney
Contact ANT Law Firm at (407) 777-8888 for a free evaluation. We'll review your policy, identify all available coverage, and fight your insurance company for the compensation you deserve.
How Our UM/UIM Attorneys Build Your Claim
Filing a UM claim means going up against your own insurance company. Our Orlando uninsured motorist lawyers know exactly how insurers try to minimize these claims — and how to beat them.
Policy Review
We review your auto insurance policy to identify all available UM/UIM coverage, including stacked policies and household vehicles.
File UM/UIM Claim
We formally notify your insurance company of the UM/UIM claim, preserving your rights and establishing the claim timeline.
Document Injuries
We coordinate with your medical team to fully document injuries, treatment, and calculate current and future care costs.
Negotiate with Your Insurer
We handle all negotiations with your own insurance company — who will fight against paying, even though you've paid premiums for years.
Litigation If Needed
If your insurer won't offer fair compensation, we file suit. We also pursue bad faith claims if your insurer unreasonably denies or delays your UM claim.
Uninsured Motorist Settlements & Compensation
Your UM/UIM coverage exists to make you whole when the at-fault driver can't. Our attorneys calculate the full value of your claim and fight your insurer for every dollar of coverage you're entitled to.
Medical expenses
Emergency room visits, surgery, hospitalization, imaging, physical therapy, and ongoing treatment
Lost wages & earning capacity
Income lost during recovery and diminished ability to earn in the future due to your injuries
Pain and suffering
Physical pain, emotional distress, anxiety, PTSD, and loss of enjoyment of life
Property damage
Vehicle repair or replacement and damaged personal belongings inside the vehicle
Future medical costs
Projected expenses for ongoing care, pain management, therapy, and potential future surgeries
Out-of-pocket expenses
Transportation to appointments, home care, childcare, and other costs caused by the accident
Loss of consortium
Impact on your relationship with your spouse and family due to your injuries
Underinsured motorist gap coverage
The difference between the at-fault driver's inadequate policy limits and your actual damages
Florida UM/UIM Law & Your Legal Rights
Under Florida Statute § 627.727, every auto insurer in the state must offer uninsured motorist coverage to every policyholder. If you did not specifically reject UM coverage in a signed written waiver, you are presumed to have UM coverage equal to your bodily injury liability limits. This statute is the foundation of every UM/UIM claim in Florida.
Florida law also allows stacking of UM coverage. If you elected stacked coverage, your UM limits multiply by the number of vehicles on your policy — dramatically increasing your available compensation. For example, $100,000 in UM coverage with three vehicles gives you $300,000 in stacked benefits. Our attorneys review every policy in your household to identify maximum available coverage.
When your own insurer unreasonably denies, delays, or undervalues your UM claim, they may be acting in bad faith under Florida Statute § 624.155. Bad faith claims can result in damages that far exceed your policy limits — including attorney fees, consequential damages, and in egregious cases, punitive damages. Our attorneys hold insurers accountable.
Insurer Bad Faith Warning
Your own insurance company is not on your side in a UM claim. They employ adjusters and defense attorneys whose job is to minimize your payout — even though you've faithfully paid premiums for years. Common bad faith tactics include unreasonable delays, lowball offers, demanding unnecessary documentation, and disputing clearly documented injuries. If your insurer is playing games, call (407) 777-8888 immediately.
Hit by an Uninsured Driver? You Still Have Options.
The other driver may have no insurance, but you likely do. Our Orlando UM/UIM attorneys maximize your own policy benefits and hold your insurer accountable for paying what you're owed.
What Our UM/UIM Clients Say
Real results from real clients. See why Orlando accident victims trust ANT Law Firm to fight their own insurance companies for the compensation they deserve.
“A driver sideswiped me and took off. I never found out who they were. I thought I was out of luck, but ANT Law Firm filed a UM claim with my insurance and negotiated hard. My own insurer tried to offer me almost nothing, but Alexandra and her team wouldn't back down. They got me a settlement that covered all my medical bills and lost wages.”
Maria L.
Hit and Run — UM Recovery
“I was rear-ended by a driver with absolutely no insurance. I had no idea my own policy could help me. ANT Law Firm reviewed my coverage, found I had stacked UM benefits, and fought my insurance company every step of the way. They treated me like a real person, not just a claim number. I'm so glad I called them.”
James W.
Uninsured Driver — Rear-End Collision
“The driver who T-boned me only had a $10,000 policy, but my medical bills were over $150,000. ANT Law Firm explained that my UIM coverage would bridge the gap. They handled the claim with the other driver's insurer AND my own insurer simultaneously. The process was stressful, but they made it manageable and got me far more than I expected.”
Patricia D.
Underinsured Motorist — Gap Coverage
Uninsured Motorist Lawyer FAQ
Answers to the questions our Orlando UM/UIM attorneys hear most often.
Uninsured Driver? We'll Find a Way to Get You Compensated.
You paid for UM coverage for exactly this situation. Let our Orlando uninsured motorist attorneys make sure your insurer honors that promise. Contact us today for a free, confidential consultation.