Getting into a car accident is stressful enough—but realizing the other driver doesn’t have insurance can make an already difficult situation feel overwhelming. If you were injured by a driver without proper insurance in Fort Lauderdale, you may still have options for compensation through your own uninsured motorist (UM) coverage. This important protection can help cover medical expenses, lost wages, and other damages that the at-fault driver should have paid.
At Anidjar & Levine, our Fort Lauderdale car accident lawyers understand how confusing and frustrating these situations can be. We’re ready to review your policy, deal directly with your insurer, and help you pursue every dollar you deserve. Call us today for a free consultation and find out how a Fort Lauderdale uninsured motorist accident lawyer can help you.
How Our Lawyers Prove Fault and Protect Your Rights
To recover compensation through your uninsured motorist (UM) coverage, you still need to show that another driver caused your accident. This can be challenging—especially if the other driver fled the scene, provided incomplete information, or your insurer disputes liability. That’s where having a Fort Lauderdale car accident attorney can help. At Anidjar & Levine, we take a proactive approach to proving fault and protecting your rights. Our team of personal injury lawyers in Fort Lauderdale will:
- Obtain the Fort Lauderdale Police Department accident report and analyze its findings.
- Gather photographs, surveillance footage, or dashcam videos that show how the crash occurred.
- Interview eyewitnesses who can confirm the other driver’s actions.
- Work with accident reconstruction experts to demonstrate negligence.
- Collect your medical records to link your injuries to the crash.
Throughout your case, you can expect responsive legal help at every stage. Our attorneys and staff will return your calls, keep you informed, and handle all communication with the insurance company—so you can focus on your recovery.
Common Scenarios Where UM Coverage Applies
Uninsured motorist coverage doesn’t just help in one situation—it can protect you in several common accident scenarios that Fort Lauderdale drivers face:
- Hit-and-run accidents: If the at-fault driver flees and can’t be identified, UM coverage can step in as though that driver had no insurance.
- Drivers without any insurance: Despite state laws, many Florida motorists drive without required coverage. UM coverage acts as a safeguard when they cause a crash.
- Drivers with too little insurance: A driver may carry insurance, but not enough to pay for the full extent of your losses.
- Crashes involving out-of-state or commercial drivers: Sometimes coverage disputes arise when drivers from outside Florida are involved; UM coverage provides an extra layer of protection.
Our Fort Lauderdale car accident lawyers can determine whether your case qualifies for UM or underinsured (UIM) benefits and handle the claim process from start to finish.
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Filing a UM Claim After a Fort Lauderdale Car Accident
After a car accident in Fort Lauderdale, your first step is usually to file a claim under your Personal Injury Protection (PIP) coverage. PIP pays a portion of your medical expenses and lost wages, regardless of who caused the crash. But when your injuries exceed those limits—and the at-fault driver lacks bodily injury liability coverage—you can turn to your uninsured motoristcoverage for additional compensation.
Filing a UM claim may sound straightforward, but insurance companies often make the process difficult. Some question who was at fault, minimize your injuries, or delay payment. In some cases, they may even deny valid claims by arguing your policy doesn’t apply.
At Anidjar & Levine, our legal team handles every part of this process for you. We communicate directly with your insurer, collect the necessary documentation, and build a strong case that demonstrates fault, causation, and the full extent of your damages. You won’t have to manage the paperwork or negotiation alone.
If you were hit by an uninsured or underinsured driver in Fort Lauderdale, contact Anidjar & Levine today to find out how a lawyer can help you pursue the compensation you deserve.
How Florida’s Insurance Rules Can Leave You Unprotected
Many Fort Lauderdale drivers assume that having “full coverage” means they’re fully protected after an accident. Unfortunately, that’s often not the case. In Florida, “full coverage” typically includes only Personal Injury Protection (PIP) and Property Damage Liability (PDL) — it does not include Bodily Injury Liability (BIL) coverage.
This means if another driver causes a crash but doesn’t carry BIL coverage, their insurance won’t pay for your injuries, even if they were clearly at fault. You would rely first on your PIP benefits for a portion of your medical costs and lost wages, but serious injuries can quickly exceed those limits.
That’s where uninsured motorist coverage becomes critical. This optional coverage steps in to protect you when the at-fault driver doesn’t have adequate—or any—insurance. Considering that Florida consistently ranks among the states with the highest percentage of uninsured drivers, and that Broward County sees thousands of traffic accidents each year, carrying UM coverage is often a financial lifeline.
How Uninsured Motorist Coverage Protects You
Uninsured motorist coverage is one of the most important—and most overlooked—protections you can carry as a Florida driver. If you’re hit by a driver who doesn’t have bodily injury liability insurance or any coverage at all, UM coverage allows your own insurance policy to step in and pay for many of the same damages the other driver should have covered. This can include:
- Medical bills and rehabilitation expenses
- Lost wages if you can’t work while recovering
- Pain and suffering
- Vehicle repairs or replacement costs
- Future medical care for long-term injuries
Florida law also allows “stacked” UM coverage, which means you can combine coverage limits for multiple vehicles on your policy to increase your protection. This can make a significant difference in serious accidents where high-speed collisions often result in costly injuries.
Even though UM coverage is optional, it provides peace of mind. It ensures you’re not left paying for someone else’s mistake just because they failed to carry the coverage the law should require.
Call Anidjar & Levine for Responsive Legal Help
Being hit by a driver without insurance can leave you facing medical bills, time away from work, and uncertainty about what to do next. You don’t have to face that process alone. Anidjar & Levine is here to protect your rights and guide you through every step of your uninsured motorist claim.
Call Anidjar & Levine today for your free consultation. You worry about getting better. Our Fort Lauderdale uninsured motorist accident lawyers can take care of everything else.
