Uninsured/Underinsured Motorist Accidents

Miami Uninsured/Underinsured Motorist Lawyers

Helping You Work to Recover Maximum Compensation

The average driver often has only the required $10,000 minimum personal injury protection, or PIP, coverage required by Florida state law. Others may have no insurance whatsoever. Whether due to little or no insurance, these individuals may not be able to cover the injuries and other damages sustained after a car accident. This is when uninsured and underinsured motorist coverage becomes relevant. If the at-fault driver who hurt you had no insurance or not enough insurance, your policy for uninsured motorist (UM) or underinsured motorist (UIM) benefits may be a source for recovery.

If you or a family member was injured by an underinsured or uninsured motorist, Greenberg, Stone & Urbano can help. Our firm has been helping clients with UM/UIM cases for decades.

Call us today at (305) 692-0055 to learn more about your legal rights and options. Our Miami uninsured/underinsured motorist lawyers are prepared to fight for you.

Can You Still Recover Compensation If the Driver Who Hit You Is Uninsured?

In short, yes, you might still be able to recover compensation after an accident with an uninsured motorist by filing an UM claim.

Unfortunately, some motorists ignore mandatory state laws and take unnecessary risks by driving without automobile insurance. Such drivers are referred to as "uninsured motorists," and they may be the individuals at fault for causing your car accident. Experiencing a car accident is always a distressing event, but being hit by an uninsured driver often makes things even worse. On top of your injuries, you must now cope with the added burden of determining how you will cover the medical bills, vehicle repairs, lost wages or job, and ongoing healthcare costs if there is no applicable insurance coverage.

Don't despair. Greenberg, Stone & Urbano helps those injured in Miami and South Florida car accidents with uninsured motorists work to recover compensation despite the unique challenges of these types of cases. When determining which attorney you wish to represent you in your UM case, ask if they have experience with similar Florida uninsured motorists cases and find out if they are familiar with Florida laws. These questions are critical because UM cases are more complicated than other types of accident cases.

For example, Florida statute requires insurance companies to offer UM coverage to everyone who applies for car insurance. If you paid for this coverage, you may file a claim against your insurance and it will cover the damages (up to your policy limits) caused by the uninsured driver. At first glance, it may appear unfair or unjust that your insurance company must cover your losses when another party caused the accident, but keep in mind that they sold you the policy and charged you an added premium as a result.

Just become someone is uninsured does not mean you are without legal recourse. Sometimes, uninsured motorist drivers were acting in the scope of their employment during the accident, so you might be able to file a claim against their employer, too. Likewise, if your insurance does pay, but coverage is not enough to pay your expenses, you should look into whether or not to make a claim against the uninsured motorist personally, assuming personal assets are available.

Why You Should Work with an Attorney

Car accidents are distressing enough without having to worry about how you are going to afford the associated medical bills, hospital expenses, repairing or replacing your car, inability to work, lost income, or ongoing medical care. Because we have represented countless uninsured/underinsured motorist accident victims and their families, we know how to navigate these and other challenges. We can help you explore UM/UIM benefits and help you fight for the compensation you deserve for your injuries and associated losses.

UM/UIM motorist claims are often much more complex than regular accident claims. In fact, certain procedures that are governed by your insurance policy and that are also required to preserve your UM/UIM accident claim can be quite complicated. Yet, they are crucial to preserving and enforcing your legal rights. Before you settle any claim against an underinsured driver, we recommend that you discuss your case with one of our qualified Miami uninsured motorist attorneys to learn more about your legal rights and options.

Contact Our Award-Winning Team Today

An uninsured/underinsured driver accident may seem like an insurmountable obstacle. However, choosing the right legal counsel to help you can maximize your chances of recovering compensation for the costs associated with your damages, including medical expenses, physical rehabilitation, and costly medical equipment. You can have the peace of mind that comes from knowing someone is there working so you can afford to repair the destruction done to your car. You can be certain that your attorney will fight for all lost wages to be considered in your damages award, and that your long-term care needs are provided for in the years to come.

Greenberg, Stone & Urbano employs UM/UIM motorist accident lawyers who have over 130 years of combined experience in advocating for injured individuals and their family members. Our personal injury attorneys have been selected for inclusion in the Florida Super Lawyers® list, earning them the title of being some of the finest lawyers in America. Our lawyers have also earned an AV® Rating from Martindale-Hubbell® and have been voted "South Florida's Top Rated Lawyers" by the Miami Herald.

Call us today at (305) 692-0055 or contact us online to schedule your free and completely confidential consultation. One of our dedicated lawyers will investigate and evaluate your possible personal injury claim.

Results Matter

Multimillion Dollar Verdicts & Settlements

  • Fatal Accident Involving Mother of Two $22 Million

    Settlement for a 5-year-old quadriplegic daughter and her injured sister, and for the death of their mother in a horrific and devastating automobile accident.

  • Fatal Florida Turnpike Car Accident Results In Three Deaths $5.6 Million

    Three elderly Miami women were killed when their vehicle was struck by another car on the Florida turnpike. This wrongful death case was tried to a verdict.

  • Debris From Tire Blowout Causes Motorcycle Accident $3.75 Million

    We reached a $3.75 million settlement for a Miami man who was injured when he was caused to fall from his motorcycle.


A Trusted Name In Miami

  • Appointments Available for After Hours & Weekends
  • You Won’t Pay Unless We Recover Compensation
  • Free & Confidential Consultations
  • Spanish Services Available
  • Not Afraid to Go to Trial to Fight for What You Deserve
  • Over 130 Years of Combined Legal Experience
Our Legal Team

We are committed to fighting for our clients. We will not stop until justice has been served!

Personalized Service Tailored to Fit Your Needs

Hear From Past Clients
  • “Throughout this process, Mark has helped us navigate the systems and helped us understand what needed to be done.”

    - Larry & Michelle W. – Auto v. Commercial Truck
  • “Even though this was a stressful situation that I had never been through before, I felt that I was in good hands with Mr. Stone and his office staff.”

    - Gloria T. - Auto v. Bicycle Accident
  • “Their efforts and hard work paid off for me and my family and we are very satisfied with the results.”

    - Diego M. - Commercial Pick Up Truck v. Motorcycle

When Your Future is at Stake, We Take Action for You!

Call (305) 692-0055 To Learn About Your Options.
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