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Jacksonville Uninsured & Underinsured Motorist Lawyer
We prioritize our clients, ensuring their needs are met every step of the way. Our dedication guarantees your satisfaction; we persist until we achieve it. Plus, we handle claims on contingency, so there’s no upfront cost to you.
When an uninsured or underinsured driver causes your accident, it can feel like there’s no path forward. Medical bills rise, income stops, and the driver who hit you may have no way to pay.
At Campione Law, P.A., our Jacksonville accident lawyers help clients recover through their own Uninsured/Underinsured Motorist (UM/UIM) coverage — and through every other avenue of financial recovery available under Florida law.
Wrongful Death · Pedestrian Accidents · Auto Accidents · Medical Malpractice · & MOre
What Is Uninsured / Underinsured Motorist Coverage?
Uninsured Motorist (UM) Coverage
Protects you if you’re hit by a driver with no insurance at all.
Underinsured Motorist (UIM) Coverage
Applies when the at-fault driver’s liability limits are too low to cover your damages.
Although Florida only requires $10,000 in PIP coverage, serious injuries can cost hundreds of thousands of dollars. UM/UIM coverage fills that gap — if you act fast and handle your claim correctly.
Call (904) 990-8400 for a free consultation.
Why These Claims Are Often Denied or Delayed
Insurance companies frequently try to undervalue or deny UM/UIM claims, even when the policyholder is clearly covered. Common tactics include:
- Claiming your injuries aren’t “serious” enough
- Disputing fault or causation
- Offering low settlements that don’t cover future care
- Misinterpreting or delaying policy benefits
Campione Law’s attorneys have dealt with these tactics for years — and know how to fight back with medical evidence, accident reconstruction, and expert testimony.
Speak with a Jacksonville injury lawyer today.
Who Can File a UM/UIM Claim in Florida
You may be eligible for compensation under your UM/UIM policy if you were:
- A driver or passenger in your own insured vehicle
- A passenger in another person’s insured vehicle
- A pedestrian, motorcyclist, or bicyclist struck by an uninsured driver
- A family member living in the same household as the policyholder
Even if you weren’t behind the wheel, you may still qualify under the policy’s “resident relative” clause.
Contact Campione Law now for a free case review.
Proving and Maximizing Your UM/UIM Claim
Campione Law uses a structured, evidence-driven process to build the strongest possible case:
- Verify policy language and confirm coverage limits.
- Investigate fault through police reports and witness testimony.
- Gather medical records and expert reports to prove the full extent of your injuries.
- Negotiate with insurers to recover the maximum payout available.
- Pursue litigation if your carrier refuses fair compensation.
Call (904) 990-8400 for a free consultation.
Florida Law and UM/UIM Protections
- Optional but Highly Recommended: Florida does not require UM/UIM coverage, but insurers must offer it in writing when you buy auto insurance.
- Stacked vs. Non-Stacked Coverage:
- Stacked: Combines coverage across multiple vehicles.
- Non-stacked: Limited to one vehicle’s coverage limits.
- Statute of Limitations: Two years from the date of the crash (HB 837, 2023).
- Bad Faith Claims: If your insurer refuses to pay without reasonable cause, you may file a bad faith insurance lawsuit under Florida Statute §624.155.
Speak with a Jacksonville injury lawyer today.
Damages Recoverable Under UM/UIM Claims
Our attorneys pursue every category of damages your policy allows, including:
- Medical expenses (hospital, surgery, physical therapy)
- Future medical care and rehabilitation
- Lost wages and earning capacity
- Pain and suffering
- Emotional distress
- Wrongful death damages for surviving family members
Why Choose Campione Law
- $50M+ in verdicts and settlements recovered for Florida clients
- Experienced insurance litigation team with deep UM/UIM expertise
- Local representation: 501 W. Bay Street, Jacksonville, FL 32202
- No fees unless we win — you pay nothing upfront
Call (904) 650-7415 for a free consultation.
Start Your Free Consultation
If you were hit by an uninsured or underinsured driver in Jacksonville, don’t wait. These claims require strict policy deadlines and strategic handling.
Campione Law will review your policy, file your claim, and fight to recover every dollar you’re entitled to.
Contact Campione Law now for a free case review.
FAQs
What is uninsured motorist coverage in Florida?
It protects you if you’re hit by a driver without insurance, paying for injuries and losses that PIP won’t cover.
What is the difference between uninsured and underinsured coverage?
Uninsured covers drivers with no insurance; underinsured covers those whose policy limits aren’t enough to pay for your damages.
Is UM/UIM coverage required in Florida?
No, but insurance companies must offer it. It’s one of the most valuable coverages a driver can have.
How long do I have to file a UM/UIM claim?
Two years from the date of the accident (for crashes after March 24, 2023).
What if my own insurance company denies my UM claim?
Campione Law can file a bad faith claim against your insurer for unreasonably denying benefits.
How much does it cost to hire Campione Law?
Free consultation and no fees unless we win.
