Uninsured Motorist Claims

Tampa Uninsured and Underinsured Motorist Claims Lawyer

If you’ve been in an auto accident, you may have a stressful time ahead of you. Not only will you need to handle the damage to your vehicle, but you may also have to deal with painful injuries, medical bills, and the stress of dealing with the insurance companies. Under the best circumstances, the at-fault driver will have adequate insurance to cover the cost of your injuries. However, too often in Florida, the at-fault driver has no insurance or has inadequate insurance to cover your medical bills. In this case, you may face a complicated legal situation and a long battle with the insurance companies, including your own.

If you’ve been in an accident and need help dealing with an uninsured or underinsured motorist claim, call the Capaz Law Firm. We will fight to get you the full compensation you deserve from your insurance company.

Understanding Florida Auto Insurance Policies

Florida law requires that all drivers maintain at least $10,000 worth of Personal Injury Protection (PIP) insurance. PIP insurance provides coverage for those who are injured in an auto accident, no matter who caused the accident. However, PIP insurance only covers 80% of medical bills. To recover the additional 20%, you can pursue a claim with the at-fault driver’s insurance company. But, if the at-fault driver has no insurance (which is a violation of the law) or has inadequate insurance to compensate you, you could be left to pay the remaining bills yourself.

This is when Uninsured Motorist coverage (UM) and Underinsured Motorist coverage (UIM) can help. UM and UMI policies are optional insurance policies that cover your medical bills for injuries caused by: drivers who do not have state-required PIP insurance; drivers who do not carry adequate insurance coverage to compensate you; or hit-and-run drivers who cannot be identified and held responsible for the accident. In addition, UM and UMI policies provide coverage for future medical bills, pain and suffering, and lost wages.

Uninsured and Underinsured Motorist Claims

If you purchased UM or UMI coverage under your auto insurance policy, your insurance company is obligated to compensate you for medical bills not covered by other insurance. In addition, they are obligated to compensate you for pain and suffering, and lost wages. However, as is common with most types of insurance claims, your insurance company will try to minimize the amount paid to you. Since UM/UMI coverage is optional and you chose to pay for the additional coverage, you have every right to demand full compensation from your insurance company for your car accident injuries. Even if you don’t personally have UM/UMI coverage, you may still quality for coverage under someone else’s policy if you were a passenger in the accident and the host vehicle or host driver has a UM/UMI Policy.

Experienced auto insurance lawyer Dereck Capaz can help you pursue an uninsured/underinsured motorist claim against your insurance company to get you the fair compensation you deserve for your injuries, pain and suffering, and mental anguish.

Contact a Tampa Uninsured or Underinsured Claims Attorney

If you’ve suffered injuries from an auto accident and are seeking a UM/UMI claim against your insurance company, contact a Tampa UM/UMI claims attorney at the Capaz Law Firm. We will help you deal with your insurance company to get the full compensation promised under your UM/UMI policy. Call (813) 440-2700 for your free consultation.


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Dereck Capaz is a proud member of the Million Dollar Advocates Forum. The Million Dollar Advocates Forum is one of the most prestigious groups of trial lawyers in the United States.

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Dereck Capaz was selected for inclusion and named in the 2009 – 2015 editions of Florida Super Lawyers.

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Dereck Capaz has earned the AV-Preeminent Rating for legal proficiency and ethical standards from Martindale-Hubbell and lawyers.com.

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